Specific Responsibilities
Underwriting of SME (EML)
Team Management
Driving optimal use of the Loan Origination System and
Loan Management system
Maintain Credit TAT
Manage Credit Underwriting as per policy.
Monitor Delinquency and NPA to budgeted levels for the
product.
Manage Credit Cost as per approved budgets.
Give feedback to Credit Policy based on experience of
underwriting.
Data Slicing/ Analysis and publishing of the reports
PDD monitoring
Industry Analysis
Key Performance Indicators
TAT
Portfolio Quality
Quality of Appraisal
Cost Management
Implementation of Processes
Team Management
Experience Credit Underwriting Experience of minimum 8-10 yrs
Technical Competencies
Positive, pro-business attitude
Excellent Analytical skills
Communication and Presentation skills
Product knowledge
Ability to understand asset type and its viability
Ability to read and understand legal and technical
reports and valuations related to properties financed
by the company
Personal Attributes
Formal Qualification
Presentation Skills
Communication Skills
Analytical Skills
Sincere
Liasoning skills
Chartered Accountant / MBA (Finance- Full time )
Mandatory
What is mandatory & Desirable
Good communication skills
Good Financial Analysis Skill
Knowledge of Computer Applications
Internal Sales, Credit Underwriting team, HR, Admin, IT
External Customers, Agencies