Underwriter

1 week ago

Hyderabad, India Finsave technologies Private Limited Full time

**Description**:

- Researching and evaluating client credit worthiness.
- Creating credit scoring models to predict risks.
- Approving or rejecting loan requests, based on credibility and potential revenues and loss.
- Develop, review and update company’s credit policies.
- Ensure all lending procedures comply with regulations.
- Calculating and setting loan interests rates.
- Monitoring loan payments and bad debts.
- Analysis on customer satisfaction.
- Factors influence the satisfaction.
- Provides support for business developers on new customers
- Undertakes the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects
- Assesses credit opportunities; identifies key risks, and structures alternatives working with relationship managers and credit officers
- Provides support to account officers on customer calls as needed
- Responsible for measuring covenants put in place within loan agreements, with a clear understanding of the effect and purpose of those loan covenants, and communicates the compliance of the borrowers to the relationship manager and chief credit officer as needed
- Applies experience with comparable credits to recommend appropriate covenants, terms, and conditions, and structure for a credit request
- Identifies policy exceptions within a credit request
- Discusses risk ratings and the rationale for the determination of acceptable credits with the relationship managers (RM) and credit approves.

**Skills**:

- Education: Credit underwriters require a minimum of Bachelor’s degree in Business, Finance, or Accounting
- Knowledge: They may require a minimum of 1 to 3 years of underwriting and analysis experience depending on the needs of the employer. They may also be required to have completed a formal credit training program.
- Communications skills: They require both oral and written communication skills to work with the lending and credit teams, relationship managers, credit approvers, etc.
- Interpersonal skills: They require the ability to develop and maintain internal and external relationships within their portfolio
- Research skills: They require the ability to conduct research into borrowers and industries to be abreast with factors that may affect profitability and the borrower’s ability to repay loans.

**Job Types**: Full-time, Regular / Permanent

Pay: ₹500,000.00 - ₹600,000.00 per year

**Benefits**:

- Cell phone reimbursement
- Food allowance
- Health insurance
- Leave encashment
- Life insurance
- Provident Fund

Schedule:

- Day shift

**Education**:

- Bachelor's (preferred)

**Experience**:

- total work: 1 year (preferred)

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