Require a Business Underwriter in Mumbai

• Conduct comprehensive credit analysis and financial due diligence on business loan applications.

• Evaluate business financial statements, cash flow projections, and credit history to assess risk exposure.

• Collaborate with relationship managers and sales teams to gather necessary documentation and clarify business operations.

• Develop and present underwriting recommendations to senior management and credit committees.

• Ensure all lending decisions comply with internal policies, regulatory standards, and risk management frameworks.

• Monitor and report on portfolio performance, delinquency trends, and risk concentrations.

• Stay updated on market trends, economic indicators, and industry-specific risks affecting business clients.

• Maintain accurate records and documentation in compliance with audit and regulatory requirements.

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field.

• 2–5 years of experience in business underwriting, credit analysis, or a similar financial role within a banking or financial institution.

• Strong analytical and problem-solving skills with proficiency in financial modeling and ratio analysis.

• In-depth knowledge of credit risk assessment, loan structuring, and lending policies.

• Proficiency in MS Excel, financial reporting tools, and CRM systems.

• Excellent attention to detail, time management, and ability to work under tight deadlines.

• Strong communication and interpersonal skills with the ability to interact effectively with cross-functional teams.

• Familiarity with RBI guidelines and other regulatory frameworks relevant to business lending.

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