Job Responsibilities:• Responsible for underwriting loan applications by analyzing customer credit.• Appraising the credit worthiness of a potential salaried and self-employed customer as per company credit policy.• Identified transaction components that indicate a potential for fraud and performed sufficient investigative work to resolve issues that are identified.• Responsible for Automation, Checking income, CIBIL history, FOIR ratios, and savings meets the loan guidelines.• Responsible for credit assessment of borrowers including KYC, field verification, cash flow analysis and other credit norms.• Analyses financial statements and determined credit approval on all new accounts.• Generated comprehensive reports on portfolio performance and risk assessment.• Reports and analysing customer banking transactions as a part of credit checks• Generated comprehensive reports on portfolio performance and risk assessment.• Monitored underwriting scorecards and related predictability.• Risk monitoring of the loan portfolio including bounce rates.• Assess business model risk and determine credit risk exposure on existing borrowers.• Auditing and document Verification for fraud Check Apprise The cases as per the given TAT.• Track credit processes and monitor adherence to all compliance and regulatory normsAs well as company policies and permitted TAT• Focus on maintaining the delinquency rates within the permissible limits.• Analyses credit data and financial statements of individuals or firms to determine the degree of risk involved in extending credit or lending money.