OFB Tech - Credit Underwriter - Working Capital

Credit Underwriter - Working Capital - CA/CMA/MBA

- Underwrite and appraise credit proposals as per policy guidelines within defined TATs.

- Analyze financial statements, cash flows, bank statements, and ratios to assess SME funding requirements.

- Review cases transitioning from credit processing to underwriting.

- Conduct quantitative and qualitative analysis, including personal discussions (PD).

- Financial Analysis: Assess client creditworthiness, past trends, and net worth.

- Banking Analysis: Evaluate anchors, suppliers, and EMI repayment tracking.

- Statutory Analysis: Verify GST filings, tax liabilities, and liquidity position.

- Qualitative Analysis: Identify potential risks and ensure a comprehensive assessment.

- Legal Analysis: Check for complaints or legal disputes against the client.

- Perform on-ground verification, including site visits to validate business activity.

- Conduct customer meetings, internal/external reference checks, and fraud risk assessments (FCU/RCU).

- Underwrite customer cases based on policy, recommending approval or rejection.

- Collaborate with sales teams, channel partners, and cross-sell teams to support business growth.

- Work closely with the operations team to ensure smooth loan disbursement.

- Perform portfolio analysis to mitigate risk and facilitate sound loan approvals.