Credit Underwriter

2 days ago

Bengaluru, Karnataka, India NextHire (Part of Algotale Group) Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Role
:

Credit Underwriter

Experience
: 3 - 8 Years

Location
: 5 Days WFO

Must have:
3+ years in assessing credit risk for Lending and supply-chain finance products

If interested kindly fill out the form:

The
Credit Underwriter
will analyze the financial and transactional data to assess the creditworthiness of businesses and their channels. This role involves analyzing financial data, preparing credit assessment reports, and match-making with the suitable lenders. This person shall ensure that all documentation and processes comply with company policies and regulatory requirements.

Job Content:

  1. Review and analyze loan applications, credit reports, financial statements, and other relevant documents.

  2. Collect, analyze, and interpret credit data from various sources to assess the creditworthiness of the customers. Verify loan documentation and ensure completeness and accuracy.

  3. Develop and maintain credit scoring models to evaluate the credit risks.

  4. Qualify leads by assessing the financial needs and eligibility criteria of potential clients.

  5. Collect and accurately record detailed information and outcomes of each lead assessment, in the CRM system.

  6. Prepare detailed reports on credit analysis findings, including risk assessments, credit ratings, and recommendations.

  7. Collaborate with 3rd party lenders, banks, including internal/external finance, sales, and operations, to ensure accurate and comprehensive credit evaluations.

  8. Coordinate with Lenders and LSPs for the approval or denial of loan applications and also influence their decision making, if feasible.

  9. Ensure all loan processing activities comply with company policies, procedures, and regulatory requirements.

  10. Communicate effectively with clients, colleagues, and third parties to obtain necessary documentation and information.

  11. Educate clients on loan options, terms, and conditions. Assist clients in understanding the loan terms and application process and other requirements.

  12. Stay updated on product knowledge and industry trends, market conditions to effectively communicate benefits to customers.

Qualification:

  1. Bachelor's degree in Finance, Economics, Statistics, or a related field.

  2. Minimum 2years experience as a Credit Data Analyst or in a similar analytical role within the financial services industry.

  3. Familiarity with credit risk assessment methodologies and financial statement analysis.

  4. Knowledge of loan processing procedures, credit risk assessment, and regulatory requirements.

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