Klub

<div><strong>Job Description: Credit Underwriting Manager</strong></div><div><br></div><div><strong>Location:</strong> Ahmedabad, India</div><div><strong>Experience Required:</strong> 3-5 years</div><div><strong>Industry:</strong> Lending Company or Lending Fintech</div><div>This job description outlines the primary responsibilities, qualifications, and skills required for the role of Credit Underwriting Manager. We are seeking a detail-oriented and experienced professional to join our team and ensure the quality and efficiency of our credit underwriting processes</div><div><br></div><div><strong>Key Responsibilities:</strong></div><div><br></div><div><strong>Loan Application Review:</strong> Thoroughly review loan application files to ensure completeness and accuracy.</div><div><strong>Applicant Discussions:</strong> Conduct personal discussions and video PDs (Personal Discussions) with applicants to assess their creditworthiness.</div><div><strong>Timely Decision Making:</strong> Ensure decisions are made within the established TAT (Turnaround Time) to maintain efficiency and customer satisfaction.</div><div><strong>Credit Appraisal Memorandum:</strong> Prepare detailed credit appraisal memorandums and present them to the credit committee for approval.</div><div><strong>Loan Processing Coordination:</strong> Work closely with lenders to facilitate smooth and efficient loan processing.</div><div><strong>Training and Development:</strong> Train team members on loan policies and procedures to ensure consistency and compliance.</div><div><strong>Portfolio Review:</strong> Conduct regular portfolio reviews to assess the performance of the loan book and identify areas for improvement.</div><div><strong>Quality Underwriting:</strong> Underwrite loan cases with the desired level of quality, enabling the achievement of business targets through proper training.</div><div><strong>Proposal Evaluation:</strong> Evaluate business loan proposals from customers to determine their eligibility and risk.</div><div><strong>Customer Interaction:</strong> Interact with customers to understand their business needs and regularly monitor delinquencies and early-stage defaults.</div><div><br></div><div><strong>Qualifications:</strong></div><div><br></div><div><strong>Experience:</strong> 3-5 years of experience in credit underwriting within a NBFC or lending fintech. Experience in other industries will not be considered.</div><div><strong>Industry Knowledge:</strong> In-depth understanding of the lending industry, particularly in credit underwriting and risk assessment.</div><div><strong>Analytical Skills:</strong> Strong analytical abilities to evaluate loan proposals and assess credit risk.</div><div><strong>Communication:</strong> Excellent communication and interpersonal skills to interact effectively with applicants, customers, and internal teams.</div><div><br></div><div><strong>Skills and Competencies:</strong></div><div><br></div><div><strong>Attention to Detail:</strong> High level of attention to detail to ensure accuracy in loan application reviews and credit appraisal memorandums.</div><div><strong>Decision Making:</strong> Ability to make timely and well-informed decisions within the established TAT.</div><div><strong>Customer Focus:</strong> Strong customer focus to understand business needs and maintain positive relationships.</div><div><strong>Training Ability:</strong> Capability to train and mentor team members on credit underwriting policies and procedures.</div><div><strong>Portfolio Management:</strong> Skills to conduct comprehensive portfolio reviews and assess loan book performance.</div><div><strong>Problem-Solving:</strong> Proactive problem-solving skills to address issues in loan processing and underwriting.</div><div><br></div><div><strong>Educational Background:</strong></div><div><br></div><div>A bachelor’s degree in Finance, CA, or a related field is preferred.</div><div>.</div>