Credit Underwriter: Working Capital/ Term Loan - CA/CMA

Ofb Tech; Gurugram District; On-site; INR 400,000 - 700,000; Full time

Job summary

Ofb Tech in Gurugram is seeking an underwriting professional to assess SME loan proposals by analyzing financial statements, cash flow, bank statements, and ratio analysis in line with policy and TATs.

Your role includes quantitative and qualitative analysis, personal discussions to assess creditworthiness, and collaboration with Sales to support disbursements and risk-based decisions.

Qualifications

• Underwriting and credit assessment skills
• Financial statement analysis and cash flow evaluation
• Bank statement and GST/compliance awareness
• Legal checks and risk identification
• Credit policy interpretation and decision-making

Responsibilities

• Evaluate and underwrite loan applications post credit processing.
• Conduct quantitative & qualitative analysis including personal discussions 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

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