Credit Risk Underwriting Manager

4 weeks ago


Bengaluru, India Time Hack Consulting Full time
Responsibilities:
  • Reviewand analyze credit applications financial statements and creditreports to assess the creditworthiness ofapplicants.
  • Evaluate the risk associated witheach credit application and make recommendations for approval ordenial.
  • Follow established underwritingpolicies and procedures to ensure consistency andcompliance.
  • Stay informed about industry trendsmarket conditions and changes in underwritingguidelines.
  • Assess various risk factorsincluding credit history income debttoincome ratio and collateralvalue.
  • Utilize risk models and scoring systemsto make objective and consistent creditdecisions.
  • Communicate credit decisions toapplicants and when necessary provide explanations fordenials.
  • Collaborate with sales and customerservice teams to address inquiries and provide guidance oncreditrelated matters.
  • Maintain accurate andcomplete records of credit decisions including supportingdocumentation.
  • Ensure compliance withdocumentation requirements and regulatorystandards.
  • Work with customers to obtainadditional information or clarification on creditapplications.
  • Provide exceptional customerservice by addressing inquiries and concerns professionally andpromptly.
  • Participate in ongoing training tostay updated on industry best practices and evolving underwritingstandards.
  • Identify opportunities for processimprovement and contribute to the enhancement of underwritingpractices.

Qualifications:
  • Bachelorsdegree in Finance Business Economics or a relatedfield.
  • 5 years of experience in credit riskunderwriting.
  • Strong analytical andproblemsolving skills.
  • Familiarity with creditscoring models and underwritingsoftware.
  • Knowledge of relevant regulations andcompliance standards.
  • Excellent communicationand interpersonal skills.
  • Detailoriented withthe ability to manage multiple tasksefficiently.
  • Ability to make sound creditdecisions based on comprehensiveanalysis.

underwriting,risk,customerservice


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