·       Reviewing credit applications from potential customers to determine whether they qualify for loans

· Mapping client’s requirements providing customized collaterals; understanding their functional processes requirement through interviews / discussions

· Maintain Credit TAT

· Manage Credit Underwriting as per policy

· Disbursal of loans including all checks and verifications

· Conduct personal discussion with customers to establish Credit worthiness.

· Pre and post sanction credit risk compliance.

· Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio.

· Control on portfolio performance.

· Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM).

· Stay up to date on the latest trends and developments in the credit underwriting industry.

· Operations Management

· Drives efficient day-to-day operational running of the department measured by no Client complaints and all SLAs met.

• Attends regular operations meeting and client calls.
• Verification of all key deal terms (Agreement Amount, Tenure, Interest Rate, Interest reset details etc.) sanctioned v/s executed Verification of all key deal terms, pre-sanction and pre-disbursement conditions prior to circulation of disbursement memo to all stakeholders as per defined approval matrix
• Tracking, monitoring and driving closure of all open pre and post disbursement conditions.
• Responsible for all loan disbursements and company losses related to disbursements.
• Checking and verification of critical single borrower and group borrower limits prior to disbursement
•  Proper satisfaction of KYC requirements and Loan Application form from borrowers as per defined KYC checklist, pre-sanction checklist etc.
• Conduct of proper regulatory checks (CIBIL, RBI and other caution lists, World Check etc.)
•  Ensuring all sanctioned terms and conditions including clauses pertaining to security have been accurately incorporated in the Sanction Letter
•  Ensuring that Sanction Letter has been signed by the authorized signatories and duly acknowledged by the borrower
• To ensure executed documents are duly signed by an authorized signatory - both at Lender & Borrower's side.

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