Credit Risk Analyst

7 days ago

Agra, Uttar Pradesh, India beBeeCreditRisk Full time ₹ 15,00,000 - ₹ 17,50,000
Job Opportunity:

We seek a seasoned credit risk analyst to join our team in ensuring loan compliance with regulatory and bank policies.

This role involves reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies.

Responsibilities:
  • Analyzing customer financial positions, employment history, credit history, and ability to repay.
  • Applying the 4 Cs of Credit effectively.
  • Ensuring compliance with regulatory requirements and company guidelines.
  • Assessing credit risk and determining loan approval/decline decisions.
  • Applying lending/credit policy, mortgage insurance guidelines, and risk assessment principles.
  • Communicating with external stakeholders, including Brokers/Lenders.
  • Demonstrating strong customer-centric communication skills.
Core Responsibilities:
  • Loan Application Assessment
  • Creditworthiness Evaluation
  • Income Verification
  • Risk Analysis
  • Property Valuation Review
  • Reviewing Loan-to-Value Ratio (LVR)
  • Approval or Declination of Loans
  • Fraud Detection
Requirements:
  • Graduate/Postgraduate in Finance, Commerce, or a related field.
  • 2+ years of experience in mortgage operations, with at least 1+ year in a quality assurance role.
  • Strong attention to detail and analytical skills, excellent communication skills.
  • Good knowledge of MS-excel skills for data analysis and reporting dashboards.
  • Ability to work in fast-paced environments and meet deadlines.

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