Job description

• ·         Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.  
• ·         Verifying the promoter’s track record & ascertaining their credit worthiness.  
• ·         Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position  
• ·         To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards.
• ·         Monitor and ensure that monthly Branch audit score is satisfactory.
• ·         Vendor Management.
• ·         To conduct customer meeting to evaluate credit proposal
• ·         PDD Tracking and closure
• ·         Compliance to repayment instrument replenishment to ensure regular repayment of EMI
• ·         Take sound lending decisions based on available information & interactions with the applicants.  
• ·         Manage credit quality and control delinquencies, frauds.
• ·         Managing performance in terms of key drivers i.e.
• ·         Loses / Portfolio quality parameters
• ·         Cost of credit administration
• ·         Employee Productivity

Desired Candidate Profile :

Must be Graduate / Post Graduate

Should have 4 to 6 years of Credit / Underwriting experience

Also preferring candidates from Home Loan industry with credit verification experience

CTC: Up to 5.5 Lakh

Location : Trivandrum, Palakkad, Kayamkulam

Interested candidates immediately Apply with your updated resume. Also please share this job link with your friends.

For more details, you can call  Arathi  @ 9895008716  for more details; arathi@alligoric.com