Credit Underwriter
Hyderabad, Telangana, India
Key deliverables:• Dexterous in wide array of tasks with encompassing - HL loan sanction underwriting process making loan eligibility decisions, approving & rejecting applications, analyzing - financials from Profit & Loss A/C and Balance sheet /CAM underwriting/strengths/deviations for home loan product • Diligently evaluated the loan structure, safeguarding credit standards in sync with the organisational goals/policies, managed all loan and credit requests and made approval decisions • Effectively used the application used for sanctioning the loans: Omni & CAS (Customer Acquisition System) • Vital role in measuring the quality check points prior to sanctioning the case like loan scheme, Cibil checking, document verification, ROI, FOIR (Fixed Obligation Income Ration), KYC, banking and property details • Accountable for clearing the Dedupe cases from the tray; initiating the FI & PD, FCU query, FCU audit pending reports & underwriting (field investigation for the profiles, post-discussion & processing the underwriting cases) on daily productivity • Regularly interfacing with CPA teams on daily basis; communicating/coordinating with operations for disbursement process • Pivotal role in safeguarding compliance with company policies/guidelines; performing audit observations/reverts for an efficient process to guarantee quality improvement