Candidate from NBFC company mandatory.
Qualification : Bachelor's degree in Finance, Chartered Accountant, Business Administration, or related field
Handling sales of loans against share products, and supply chain finance products. (It is not for sales )
Underwriting experience, strong hold on financial analysis & understanding, evaluation of customers credit worthiness, fundraising experience for the company.
Loan proposal screening, underwriting, evaluating, and document checking and verification.
Review active loan files each day to determine if any documents are missing or what can be done to help the process along
Utilize professional judgment to determine which potential borrowers represent good risk opportunities for the organization
Loan Processing:
Receive and review loan applications from prospective borrowers.
Conduct thorough evaluations of applicants' financial status, credit history, and collateral.
Verify all required documentation and information provided by applicants.
Analyze risks associated with each loan application and make informed decisions regarding approval or rejection.
Customer Interaction:
Communicate with applicants to gather additional information or clarify details as needed.
Provide guidance and assistance to customers throughout the loan application process.
Address inquiries and concerns from customers regarding loan terms, repayment schedules, etc.
Ensure a high level of customer satisfaction by delivering timely and accurate responses.
Compliance and Regulation:
Ensure compliance with all relevant regulations, including KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines.
Stay updated on changes in regulatory requirements and implement necessary adjustments to loan processing procedures.
Maintain accurate records and documentation to facilitate audits and regulatory inspections.
Loan Disbursement and Monitoring:
Coordinate with internal departments to facilitate loan disbursement processes.
Monitor loan portfolios to track repayment schedules and identify any delinquencies or defaults.
Take proactive measures to mitigate risks and address issues related to loan performance.
Reporting and Documentation:
Prepare reports on loan application status, approval rates, and other relevant metrics.
Maintain comprehensive records of loan transactions, customer interactions, and compliance activities.
Generate documentation for approved loans, including loan agreements, repayment schedules, and other legal documents.
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