A Suresh Email & Phone Number

Bengaluru, Ka, In

Bangalore

Bengaluru, Karnataka, India

Appraising the creditworthiness of the ustomers availingLoans.,through Analysis of credit data and financial andfinancial risks, financial ratio analysis, credit üComprehensive analysis of the borrower with respect tobanking, taxreturns, creditworthiness, background check,CIBIL, CERSAI and various other compliance etc.üScrutinizing relevant documents before sanctioning/disbursing loans,ensuring compliance with credit policies and presenting therecommendations for the proposal to the Credit committeesfor approval.approvals and verification reports within üUnderwrite specific retail loan proposals and prepare CreditAppraisal Memo (CAM).üKnowledge of Technical and Legal reportüCalculate financial ratios (e.g. credit scores and interest rates)and effectively monitor the client collateral creditworthinessfrom the pre- sanction to post disbursement phaseundertaking steps for risk mitigation,wheneverrequired,while ensuring adherence to legal documentationnorms üWork with industry partners to streamline processes anddeliverindustry best TATsüCalculating and setting loan interest rates and Negotiatingthe terms ofthe loan with new clients.üAbility to read and understand legal and technical reports andvaluations related to properties financed by the companyüRobust knowledge of end-to-end process in LoanOrigination System(LOS)üMaintaining Portfolio MIS, Delinquency MIS and otheroperationsrelated MIS of the cluster and regularly reportingthe same.üManage the credit underwriting function of branch for the business in close liaison with the sales bureau reports andascertain their credit worthiness.üPerforming analysis of the financial statements, cash flowanalysis & bank statementsand preparation of Customer Assessment reportüPerforming credit analysis & underwrite credit proposalsüAnalysing financial statements, perform ratio analysis