Credit Underwriter

Bhanix; Mumbai; On-site; INR 600,000 - 900,000; Full time

Job summary

Bhanix in Mumbai is seeking a credit underwriting professional to assess personal loan applications, interview applicants, and decide on eligibility based on financial and non-financial criteria.

The role requires strong knowledge of the lending industry and regulations, along with excellent communication skills to report decisions clearly and stay updated on financial services.

Qualifications

• Experience in credit underwriting of personal loans.
• Strong knowledge of lending industry and regulations.
• Excellent communication and interpersonal skills.
• Ability to interview applicants and assess eligibility.

Responsibilities

• Perform initial appraisal of potential borrowers by examining applications.
• Interview applicants to evaluate loan eligibility.
• Conclude on financial and non-financial criteria for loan decisions.
• Follow up with clients to clarify important points.
• Give the green light to eligible candidates with sound reasoning.
• Remain up to speed regarding lending and other financial services.

Skills

Credit underwriting

Lending industry knowledge

Regulatory understanding

Excellent 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