Responsibilities:

⮚ Oversee the underwriting of LAP applications within the assigned cluster, ensuring adherence to the company’s credit policies and procedures.

⮚ Conduct thorough credit assessments by analyzing financial statements, property valuations, credit reports, and other relevant documents.

⮚ Update and refine underwriting policies and procedures to reflect market trends and regulatory changes.

⮚ Monitor portfolio performance and ensure compliance with internal and regulatory guidelines.

⮚ Ensure all required documentation is complete and accurate before finalizing loan approvals.

⮚ Lead and mentor a team of junior credit officers and underwriters, providing guidance and support in the evaluation of loan applications.

⮚ Conduct training sessions to enhance the skills and knowledge of the underwriting team.

⮚ Liaise with external stakeholders such as property valuers and legal advisors to obtain necessary information for underwriting decisions.

⮚ Foster a collaborative work environment to achieve departmental goals.

Skills and Expectations:

⮚ 10 to 12 years of experience in LAP underwriting.
⮚ Excellent communication and interpersonal skills.
⮚ Proven track record of effectively managing credit risk and underwriting loans secured by property.
⮚ Proficiency in financial analysis software and credit risk assessment tools.
⮚ Ability to make sound decisions under pressure and meet deadlines.
⮚ Leadership skills with experience managing a team.

Experience: 10-12 years industry experience

Qualification: Graduate, Post graduate or a related field.

Immediate Joiners are most preferred