Credit Underwriter: Machinery Finance

Oxyzo Financial Services; Gurugram District; On-site; INR 450,000 - 650,000; Full time

Job summary

Oxyzo Financial Services in Gurugram seeks an Underwriter to evaluate SME loan proposals in line with policy and TATs. You will analyze financial statements, cash flows and ratio analysis to assess working capital and term loan requirements.

Key duties include underwriting applications, conducting quantitative & qualitative analysis (PD), reviewing bank statements, EMI patterns, tax filings and GST compliance, and identifying legal red flags.

Qualifications

• Evaluate and underwrite loan applications post credit processing.
• Perform quantitative & qualitative analysis including PD interviews.
• Assess balance sheets, profitability and net worth.
• Review bank statements, EMI patterns, tax filings and GST compliance.
• Identify legal risks and red flags in credit proposals.

Responsibilities

• Evaluate and underwrite loan applications post credit processing.
• Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness.
• Perform Financial Analysis: assess balance sheets, profitability, and net worth.
• Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance.
• Carry out Legal Checks: identify any existing complaints or legal red flags.
• Recommend loan decisions (Approve/Reject) as per credit policy.
• Collaborate with Sales and Operations Teams to support disbursements and business targets.
• Monitor portfolio performance and suggest policy updates based on risk insights

Skills

Financial analysis

Underwriting

Credit assessment

Bank statements

Job description

Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME.

Key Responsibilities:

• Evaluate and underwrite loan applications post credit processing.
• Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness.
• Perform Financial Analysis: assess balance sheets, profitability, and net worth.
• Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance.
• Carry out Legal Checks: identify any existing complaints or legal red flags.
• Recommend loan decisions (Approve/Reject) as per credit policy.
• Collaborate with Sales and Operations Teams to support disbursements and business targets.
• Monitor portfolio performance and suggest policy updates based on risk insights