Credit Analyst

Credit Executive/Credit Analyst – Secured Loans

Location: Borivali and Vidyavihar

Experience: 2 years to 5 years

Functional Area: Credit / Underwriting

Salary: As per industry standards

About the Role

We are looking for a Credit Executive to manage the secured loan credit process end to end, from file login to disbursement. You will assess applicant creditworthiness, underwrite loans backed by property or other collateral for salaried and self-employed customers, and ensure files are placed with the right banks and processed within agreed timelines.

Key Responsibilities

• Underwrite secured loan applications (Home Loans, Loan Against Property and similar products) for salaried and self-employed applicants

• Evaluate the collateral, including property documents, title verification, valuation reports and LTV (Loan-to-Value) eligibility

• Analyse financial statements, including Profit & Loss accounts, Balance Sheets and key financial ratios

• Assess clients’ creditworthiness, income and repayment capacity (FOIR, DSCR, CIBIL and bureau reports)

• Apply credit scoring models to assess and predict risk

• Allocate files to the appropriate banks and NBFCs based on each client’s credit profile

• Manage the complete credit application process, from login through sanction to disbursement

• Own TAT for issuing sanction letters and completing disbursements

• Hold virtual meetings with clients to gather information and resolve queries

• Negotiate with clients and lending partners on terms to close files

• Ensure all loans and lending procedures comply with applicable regulations and internal policies

Required Skills

• Sound understanding of financials: P&L, Balance Sheet and ratio analysis

• Knowledge of secured loan underwriting and property-backed lending

• Familiarity with credit scoring and risk evaluation

• Strong negotiation skills

• Excellent verbal and written communication

Desired Candidate Profile

• Graduate in any stream

• Prior banking or NBFC experience is an added advantage

• Willingness to travel as required (e.g. for client and property visits)

• Good communication and interpersonal skills