Credit Underwriter

Bhanix; Mumbai; On-site; INR 400,000 - 680,000; Full time

Job summary

Bhanix in Mumbai seeks an experienced credit underwriter to assess personal loan applications and interview applicants to determine eligibility. The role requires strong judgment on financial and non-financial criteria and clear reporting of decisions.

The successful candidate will stay updated on lending regulations and industry practices, delivering sound recommendations and maintaining high standards of customer communication and compliance.

Qualifications

• Experience in credit underwriting of personal loans.
• Strong knowledge of lending industry regulations.
• Excellent communication skills.

Responsibilities

• Perform initial appraisal of borrowers by examining applications.
• Interview applicants to evaluate loan eligibility.
• Conclude on all financial and non-financial criteria.
• Follow up with clients to clarify important points.
• Provide sound justification for approval decisions.
• Stay updated on lending products and financial services.

Skills

Credit underwriting

Lending industry knowledge

Regulatory knowledge

Communication skills

Job description

Role & responsibilities

• Perform initial appraisal of potential borrowers by thoroughly examining their applications
• Interview applicants to evaluate their eligibility for loan or mortgage
• Conclude on all applicable financial and non-financial criteria
• Follow up with clients to clarify important point
• Give the green light to eligible candidates and report decisions with sound arguments
• Remain up to speed regarding lending and other financial services

Essential Skills / Competencies:

• Experience in a Credit underwriting of personal loan is a MUST
• Good knowledge of lending industry
• In-depth understanding of relevant rules and regulations
• Excellent communication skills