Underwriter / Credit Appraiser

2 weeks ago

Ahmedabad Gujarat, India WOGOM Full time

**Job Description: Underwriter/Credit Appraiser**

**Job Overview**:
**Key Responsibilities**:

- ** Credit Risk Assessment**:

- ** Data Analysis & Reporting**:

- Conduct detailed analysis of financial data, including income statements, balance sheets, cash flow, and tax returns, to assess the applicant's financial health and stability. Prepare comprehensive credit reports and recommend approval, denial, or modification of credit terms.
- ** Decision-Making**:

- ** Credit Scoring & Tools**:

- Use credit scoring models, risk assessment tools, and other software to evaluate applicants. Stay updated on credit scoring methods and financial products to ensure accurate and effective decision-making.
- ** Risk Mitigation**:

- Identify and mitigate potential risks associated with extending credit by considering factors such as economic conditions, industry trends, and the applicant's credit history. Suggest alternative credit structures if necessary (e.g., secured loans, higher interest rates).
- ** Compliance & Regulations**:

- Ensure adherence to all applicable laws, regulations, and internal policies regarding credit appraisal and lending practices. Maintain up-to-date knowledge of relevant laws, such as the Fair Lending Act and data protection regulations.
- ** Communication**:

- Communicate credit decisions clearly and professionally to clients, brokers, and relevant internal departments. Request additional documentation when necessary and provide explanations regarding credit decisions.

**Qualifications**:

- ** Education**:

- A Bachelor’s degree in finance, accounting, business, economics, or a related field is typically required. Advanced degrees or certifications in credit analysis or financial risk management are a plus.
- ** Experience**:

- At least 3 years of experience in credit appraisal, credit analysis, or a related field, preferably in [specific sector such as banking, commercial lending, or consumer finance].
- ** Skills & Abilities**:

- Strong analytical skills and ability to interpret financial statements.
- Familiarity with credit scoring systems and risk assessment models.
- Knowledge of lending regulations and compliance requirements.
- Proficiency in credit appraisal software and financial tools.
- Strong attention to detail and accuracy in financial analysis.
- Effective communication skills, both written and verbal.
- Ability to work under pressure and make decisions in a timely manner.
- Good problem-solving skills and ability to identify risks and opportunities.
- ** Certifications (Optional)**:

- Certification such as Chartered Financial Analyst (CFA), Certified Credit Professional (CCP), or similar may be beneficial.

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