Senior Credit Underwriter

3 days ago

Mumbai India LiquiLoans Full time

Job Description Job Role:- Senior- Credit Underwriter Job Location:- Andheri, Mumbai Experience Required:- Minimum 3+ years in Credit Underwriting Job Description: Key Responsibilities 1. Credit Assessment & Underwriting - Evaluate loan applications by analyzing financial statements, bank statements, credit reports, GST returns, ITRs, and other relevant documents. - Assess borrower creditworthiness based on income stability, repayment capacity, financial behaviour, and risk factors. - Perform quantitative and qualitative risk analysis to make informed underwriting decisions. - Approve, decline, or recommend applications within defined credit limits and policies. 2. Risk Review & Documentation - Identify potential red flags, fraud indicators, and deviations in financial documents. - Ensure all cases adhere to internal credit policies, regulatory guidelines, and risk frameworks. - Maintain accurate records, underwriting notes, and decision rationale for audit and compliance teams. 3. Cross-Team Collaboration - Work closely with Sales, Operations, Collections, and Compliance teams to ensure smooth processing of credit files. - Provide timely responses and updates to stakeholders on file status and required documents. - Support policy enhancements by sharing insights and trends from underwriting cases. 4. Portfolio Monitoring & Reporting - Monitor early delinquency trends and highlight potential risks in the portfolio. - Assist the risk team in periodic reviews of credit policies and product programs. - Contribute to process improvements, automation initiatives, and quality audits. Required Skills & Competencies - Strong analytical skills with the ability to interpret financial data. - Good understanding of credit underwriting for retail loans / SME loans / personal loans (as applicable to your company). - Familiarity with credit bureau reports (CIBIL, Experian, etc.). - Proficient in MS Excel; knowledge of financial ratios and cashflow analysis. - Excellent attention to detail and ability to identify inconsistencies. - Strong communication skills (both written & verbal). - Ability to work under defined TATs and manage multiple cases simultaneously.

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