Posted: 5 months ago
Posted: 5 months ago
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Job Description
Credit Underwriting & Assessment
- Conduct detailed credit appraisals for SME/MSME and unsecured loan proposals.
- Analyse financial statements, cash flows, bureau reports, banking behaviors, and risk factors.
- Prepare clear credit appraisal memos with risk insights and sanction recommendations.
- Timely disposal of cases assigned for underwriting.
- Monitor portfolio health, identify early warning signals, and recommend corrective actions.
- Control delinquency and ensure risk exposures stay within defined limits.
- Track performance trends and support measures to reduce NPAs or deteriorate assets.
- Ensure strict adherence to internal credit policies, IFSCA guidelines, and regulatory norms.
- Suggest enhancements to underwriting frameworks and credit processes based on market conditions and risk experience.
- Preparation of New product framework which can be launched to meet client requirements under regulatory guidelines.
- Work with sales and business teams to balance risk and growth objectives.
- Coordinate with operations, legal, valuation partners, and auditors to support seamless credit processing.
- Ensure documentation meets internal standards and regulatory requirement.
- Undertake field visits and borrower interactions to validate business information and understand local market dynamics.
- Conduct proper due diligence as part of credit evaluation and risk validation.
- Maintain accurate credit records and prepare periodic MIS for leadership.
- Ensure documentation meets internal standards and regulatory requirements.
Skills
Credit AppraisalFinancial StatementsUnderwritingCredit ManagerIf a job posting appears fraudulent, asks for payment, contains misleading information, or violates our guidelines, please report it immediately. Our team will review it promptly, Jobaaj does not charge any fee from the applicants.
About Company
360tf is a global B2B fintech company that is transforming trade finance for corporations and financial institutions. Our multi-bank platform connects corporates to 40+ global financial institutions, enabling them to access a wide range of trade finance products and services. We are committed to making trade finance more accessible, efficient, and transparent for businesses of all sizes.
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