OFB Tech - Credit Underwriter - Working Capital

1. Underwriting / Appraisal of credit proposals in line with the policy within laid down TATs.

2. Analysing the Financial statements, Cash flow / Bank statements and Ratio analysis to assess working capital/ Term Loan/ other funding requirements of the SME.

3. Taking care of cases when they move to underwriting after credit

4. Underwriting the cases / Customers based on the laid-out policy, recommending / decision (Approve / Reject) the cases based on merit.

5. Portfolio analysis by mitigating the risk and then sanctioning the loan.

6. Statutory Analysis: check if the returns have been filed, GST has been filed, if any tax payable is there, check liquidity crunch, etc.