Job Description
Role Description
Will responsible for credit underwriting and analysis of customers across Retail, MSME, Corporate banking and rural Segments.
Experience
15 years or more
Qualifications
MBA/PGDM- Finance or CA or ICWA or CFA
Work Location
Chennai, Tamil Nadu or Kumbakonam, Tamil Nadu
Responsibilities
• Understanding the customers' requirements and ensuring quick service delivery.
• Undertake the credit assessment process within defined turnaroundtime (TAT)
• Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning
• Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position.
• Verifying borrowers' track record & ascertaining their credit worthiness.
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Basic Analytics and MIS reporting to various stakeholders.
• Monitor and enforce approval rate and TAT as per prescribed standards.
Desired Skills
• Prior Experience in credit underwriting, credit appraisal, finance is mandatory.
• Knowledge of financing and financial statement analysis, balance sheet and profit and loss accounts
• Conceptual understanding of risk and risk mitigation strategies
• Orientation for business and analytical acumen
• Ability to assess impact of policies, rules and regulations on portfolio
Strong communication (both oral and written) and negotiation skills
Will responsible for credit underwriting and analysis of customers across Retail, MSME, Corporate banking and rural Segments.
Experience
15 years or more
Qualifications
MBA/PGDM- Finance or CA or ICWA or CFA
Work Location
Chennai, Tamil Nadu or Kumbakonam, Tamil Nadu
Responsibilities
• Understanding the customers' requirements and ensuring quick service delivery.
• Undertake the credit assessment process within defined turnaroundtime (TAT)
• Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning
• Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position.
• Verifying borrowers' track record & ascertaining their credit worthiness.
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Basic Analytics and MIS reporting to various stakeholders.
• Monitor and enforce approval rate and TAT as per prescribed standards.
Desired Skills
• Prior Experience in credit underwriting, credit appraisal, finance is mandatory.
• Knowledge of financing and financial statement analysis, balance sheet and profit and loss accounts
• Conceptual understanding of risk and risk mitigation strategies
• Orientation for business and analytical acumen
• Ability to assess impact of policies, rules and regulations on portfolio
Strong communication (both oral and written) and negotiation skills
💡 Quick Summary
Seeking a career-building opportunity? The City Union Bank position is now open for candidates interested in the Bank Jobs sector. This role in Chennai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.