Credit Underwriter

6 days ago


Gurugram Haryana, India Faircent Full time

**Responsibilities**:
**Experience of working in a Fintech / NBFC is preferred.**

**Location -**Sector 60 Gurgaon.
- Appraising the creditworthiness of the customers availing loans.
- Worked on underwriting of Loans for salaried and self employed customers.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Evaluate customer records and recommend payment plans based on data earnings, savings, payment history and purchase activity.
- Understanding business models, critical analysis of business and financial risks, financial ratio analysis, credit meetings to evaluate customers' financial status.
- Comprehensive offbalance sheet analysis of the borrower with respect to banking, tax returns, debtors/creditors analysis, creditworthiness, background check, CIBIL, ROC and various other compliance etc.
- Compare liquidity, profitability and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Analyzing the portfolio health and risk involved in particular segment of assets profile and giving timely feedback to the sales team in the region.
- Ensuring portfolio quality is maintained to the highest standards and delinquency is under control.
- Performing Credit follow-ups on parameters to establish credit-worthiness of clients for approval of credits.
- Scrutinizing the documents provided by the customers for ensuring compliance to all rules & regulations.

**Role**

Credit Underwriter

**Skills**

Underwriting of Unsecured Personal Loans for Salries & Self Employed

**Functional Area**

Underwriting - Unsecured Personal Loans
- Salaried & Self Employed

**Education**

Any Graduate, Post Graduate


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