Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. 

Responsible for the Following

• Taking care of cases when they move to underwriting after credit processing.

• Quantitative & Qualitative Analysis of the case and Conduct PD.

• Financial Analysis: credit worthiness of the client, past trends, net worth, etc.

• Banking Analysis: who are the anchors, who are the suppliers, and tracking EMI repayment.

• Statutory Analysis: check if the returns have been filed, GST has been filed, if any tax payable is there, check liquidity crunch, etc.

• Discuss the issues that cropped up during the Quantitative Analysis and come to know the bigger picture.

• Legal Analysis: check if any complaints have been filed against the client, etc.

• Also, the checks are not limited to this. He/she will do everything to find out if it is safe to give money as an unsecured loan to the client.

• Underwriting the cases / Customer based on the laid-out policy. Recommending / decision (Approve / Reject) the cases based on merit.

• Including but not limited to working closely with the sales team / Channel partners / cross-sell team to support them in the right manner, which facilitates the growth of business and achievement of co-goals and targets.

• Working closely with and coordinating with the operations team for the smooth disbursement of approved cases.

• Portfolio analysis by mitigating the risk and then sanctioning the loan.

• Suggesting/initiating policy changes based on portfolio analysis.