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Credit Analyst
Mastermind Money Solutions Private Limited
Mumbai, Maharashtra, India · Full Time
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- Experience
- Up to 5 yrs
- Salary
- INR 25,000 – INR 35,000 / month
- Openings
- 1
- Posted
- 7 hours ago
- Work mode
- In office
- Education
- Any graduate
- Resume
- Required to apply
Where you'll work
Job description
About the Role
We are urgently looking for a Credit Analyst to join our team in Borivali, Mumbai. This role requires a solid grasp of financial documents such as Profit & Loss statements, Balance Sheets, and key Financial Ratios. The successful candidate will be responsible for underwriting home loans for both salaried and self-employed applicants.
Key Responsibilities
- Review and analyze clients' financial status and creditworthiness through detailed research and evaluation.
- Underwrite home loan applications from salaried and self-employed individuals ensuring accuracy and compliance.
- Conduct virtual discussions with clients to collect information and clarify details.
- Maintain turnaround time for delivering sanction letters and overseeing loan disbursement processes.
- Utilize credit scoring models to assess risk factors and predict credit defaults.
- Negotiate terms effectively while ensuring loan procedures align with regulatory requirements.
- Allocate applications appropriately to banks based on client credit profiles.
- Manage the full credit application cycle, from initial login to final disbursement.
- Be open to traveling as required to fulfill job duties.
Candidate Profile and Requirements
- Must have graduated from any stream.
- Previous banking sector experience is advantageous.
- Excellent verbal and written communication skills are essential.