Credit Underwriter: Working Capital/ Term Loan - CA/CMA
Oxyzo Financial Services Pvt. Ltd.
Get a reply from this employer
Your resume and cover letter, tailored to exactly what they’re hiring for.
Job summary
Oxyzo Financial Services Pvt. Ltd. is seeking a credit underwriting specialist to evaluate and underwrite loan applications after credit processing.
You will conduct quantitative and qualitative analyses, including personal discussions, to assess creditworthiness and determine loan approvals. The role involves financial, banking, and GST compliance checks, along with collaboration with sales and operations to support disbursements and meet business targets.
Responsibilities
- Evaluate and underwrite loan applications post credit processing.
- Conduct quantitative and 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 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 targets.
- Monitor portfolio performance and suggest policy updates based on risk insights.
Skills
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.
- 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
'/%3e%3cpath%20d='M101.744%2012.4726L102.894%2016.1947L99.0021%2013.2201L101.744%2012.4726ZM105.3%208.40937H100.488L99.0026%203.59473L97.5116%208.41047L92.7%208.40385L96.5965%2011.3834L95.1055%2016.1942L99.0021%2013.2196L101.408%2011.3834L105.3%208.40992V8.40937Z'%20fill='white'/%3e%3cdefs%3e%3clinearGradient%20id='paint0_linear_5593_1381'%20x1='90'%20y1='9.44471'%20x2='99'%20y2='9.44471'%20gradientUnits='userSpaceOnUse'%3e%3cstop%20stop-color='%2300AD70'/%3e%3cstop%20offset='0.998594'%20stop-color='%2300B67A'/%3e%3cstop%20offset='1'%20stop-color='%23DCDCE6'/%3e%3c/linearGradient%3e%3c/defs%3e%3c/svg%3e){kind=small}
