OFB Tech - Credit Underwriting Role - Mid & Large Corporate - CA/IIM/FMS/MDI/XLRI

Profile Brief :

- 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 the purpose of assessment of working capital/Term Loan/other funding requirements of the mid corporate group.

Responsibilities:

- Taking charge of cases when they move to underwriting after credit processing for decision making.

- Quantitative & Qualitative Analysis of the case and Conduct physical PD.

Quantitative Analysis includes:

i) Financial Analysis: Conduct financial due diligence to understand the credit worthiness of the client, past trends, net worth etc.

ii) Banking Analysis: Banking transactions conduct, Supplier's, and client's transactions analysis, tracking EMI repayment etc.

iii) Statutory Analysis: Timely returns have been filed for GST, TDS etc. and comply with the applicable laws and regulations.

iv) Qualitative Analysis: includes industry analysis and analyze the trends in the business.

v) Legal Analysis: check if any complaints have been filed against the client and possible consequences of the same.

- Meeting customer personally to evaluate the business, internal / External reference check, FCU/RCU check.

- Underwriting the cases/Customer based on the laid-out policy. Recommending / decision (Approve / Reject) the cases based on merit.

- Including but not limited to work closely with sales team / Channel partners / cross-sell team to support them in a right manner which facilitates the growth of business and achievements of co-goals and targets.

- Working closing with and coordinating with operations team for the smooth disbursement of approved cases.

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

- Suggesting/initiating policy changes bases on portfolio analysis.

What we look for:

- Strong pedigree/academic background (Preferably CA or MBA from Tier 1 Institute)

- Extremely self-driven & smart-working with the ability to lead teams.

- Excellent communication skills and man-to-man sales skills

- Can work in high pressure situations and completely hands-on; the knack to hustle and get the job done

- Flexible to travel around and fluent in Hindi & English