Credit Risk Underwriter

Job description

Company profile
Fast Growing NBFC company dealing in personal loans and Gold Savings product .Good opportunity for
fast career growth and High salary
Walkin Interview onTuesday .i.e. 05/12/23
Send CV david.whiteforce1@gmail.com
Contact- 8454995853
Location - Bengaluru
Roles and responsibilities
1. Credit Underwriting.
● Credit Assessment
● Review and analyse Personal loan applications to determine the creditworthiness of applicants.
● Assessfinancialstatements, credit reports, cash flow projections, and other relevant documentsto
evaluate the applicant's ability to repay the loan.
● Utilize credit scoring models and loan strategiesto make informed credit decisions.
2.Risk Analysis:
● Identify and evaluate potential risks associated with each loan application.
● Develop risk mitigation strategies and recommend appropriate terms and conditionsfor approved
loans.
● Monitor and manage credit exposure, ensuring alignment with the organization's risk tolerance.
● Make informed and timely decisionsregarding loan approvals, declines, and counter-offers.
● Collaborate with risk, tech teamsto present and justify credit decisions, tech bugs.
3. ContinuousImprovement:
● Stay updated with industry trends, regulatory changes, and best practices in credit risk assessment.
● Propose processimprovements and contribute to the enhancement of credit assessment
procedures.
4.Reporting:
● Prepare regular reports on credit portfolio performance, delinquencies, and risk exposure for
management review.
Desired Candidate Profile:
- 1-2 Years of experience
- Underwriter, Secured/unsecured loans, Excel, Basic SQL
- Experience in developing lending, customer acquisitions and portfolio management
strategies