Education Loan Credit Underwriter

Weekday; Pune District; On-site; INR 2,500,000 - 3,300,000; Full time

Job summary

Weekday's client in Pune seeks an Education Loan Credit Underwriter with 8+ years of experience to assess and approve education loan applications, ensuring regulatory compliance and credit risk control. You will prepare underwriting reports, analyze financial statements, and coordinate with disbursement teams.

You will contribute to underwriting policy improvements, maintain documentation, and train junior underwriters while staying current on education financing regulations and market trends.

Qualifications

• 8+ years of experience in credit underwriting or appraisal.
• Strong financial analysis skills and ability to model scenarios.
• Deep knowledge of education loan products and related regulations.
• Excellent risk assessment and decision-making abilities.
• Proven track record of maintaining high portfolio quality metrics.
• Attention to detail and compliance focus.

Responsibilities

• Conduct comprehensive credit appraisals for education loan applications.
• Analyze financial statements, income projections, and collateral valuations.
• Assess viability of educational programs and associated cost structures.
• Ensure compliance with statutory and internal risk management guidelines.
• Prepare underwriting reports and recommendation memos.
• Collaborate with collections and disbursement teams to finalize loan terms.
• Monitor loan performance and flag delinquency risks.
• Participate in policy development and process improvements.
• Maintain up-to-date knowledge of education financing regulations.

Skills

Credit underwriting

Financial analysis

Regulatory knowledge

Stakeholder communication

Portfolio risk

Tools

Financial modeling

Job description

This role is for one of the Weekly's clients.

Salary range: Rs 2500000 - Rs 3300000 (ie INR 25-33 LPA)

Experience: 8+ yrs

Location: Pune, Maharashtra, India

As an Education Loan Credit Underwriter, you will evaluate and approve educational financing applications, ensuring compliance with regulatory standards while safeguarding the institution’s credit risk. You will perform detailed credit appraisals, analyzing applicant financial statements, educational cost structures, and repayment capabilities. Your role involves coordinating with disbursement teams, maintaining accurate underwriting documentation, and communicating decisions to stakeholders. You will also contribute to developing underwriting policies and improvement initiatives to enhance portfolio quality and customer satisfaction.

Key Responsibilities

• Conduct comprehensive credit appraisals for education loan applications.
• Analyze financial statements, income projections, and collateral valuations.
• Assess the viability of educational programs and associated cost structures.
• Ensure compliance with statutory and internal risk management guidelines.
• Prepare detailed underwriting reports and recommendation memos.
• Collaborate with collection and disbursement teams to finalize loan terms.
• Monitor existing loan performance and flag potential delinquency risks.
• Participate in policy development and continuous improvement initiatives.
• Maintain up-to-date knowledge of education financing regulations and market trends.
• Provide training to junior underwriters and support cross-functional projects.

What Makes You a Great Fit

• 8+ years of experience in credit underwriting or credit appraisal.
• Strong financial analysis skills with proficiency in financial modeling.
• In-depth knowledge of education loan products and related regulatory frameworks.
• Excellent risk assessment and decision-making abilities.
• Proven track record of maintaining high portfolio quality metrics.
• Outstanding analytical and problem-solving skills.
• Ability to work independently and manage multiple priorities.
• Effective communication skills for stakeholder engagement.
• Strong attention to detail and commitment to compliance.
• Passion for continuous learning and improvement in credit processes.