Credit Analyst
2 weeks ago
Job Description
- Credit appraisal and recommendation based on the company's norms and credit policy.
- Scrutiny and verification of all supporting documents, including the property papers, whether the property documents are for residential purposes or not.
- Analysis of CIBIL reports and pre-existing loan track records G churning in banking.
- Understanding business models, critical analysis of business and financial risks, financial ratio analysis, and credit meetings to evaluate customers financial status.
- Evaluate customer records and recommend payment plans based on data earnings, savings, payment history, and purchase activity.
- Comprehensive off-balance sheet analysis of the borrower with respect to banking, tax returns, debtors/creditors analysis, creditworthiness, background check, CIBIL, ROC, and various other compliance, etc.
- Ensuring portfolio quality is maintained to the highest standards and delinquency is under control.
- Performing credit follow-ups on parameters to establish creditworthiness c clients for approval of credits.
- Analyzing the portfolio health and risk involved in a particular segment of assets G profile and giving timely feedback to the sales team in the region.
- Scrutinizing the documents provided by customers to ensure compliance with all rules G regulations.
- Manage day-to-day activities of the team and ensure compliance with procedures and policy guidelines; encourage, motivate, and develop agent skill sets; and manage personal development goals for them.
- PRODUCT KNOWLEDGE:- BL (BusinessLoan)
- Rooftop Solar | Machinery Loan | Personal Loan | Consumer Durable Loan.
- Livestock Loan
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