About the job
As an SME Underwriter at Renmoney, you will play a crucial role in evaluating and approving SME and corporate loan applications. Your responsibilities will include analyzing financial statements, cash flow, business models, and assessing creditworthiness.
You will identify and evaluate key risks including financial, industry, management, and collateral aspects, while also recommending effective mitigants. Your expertise will be vital in structuring credit facilities that align with both the borrower's needs and the bank's risk appetite, incorporating terms, pricing, and security requirements.
In this role, you will draft comprehensive credit proposals or memos that clearly articulate justifications, risk analyses, and recommendations for approval. Collaborating with relationship managers, legal, and risk teams will be essential for effective customer due diligence, site visits, and validation of submitted documents.
Monitoring the performance of your assigned portfolio, ensuring covenant compliance, and identifying early warning signs or deterioration in credit quality will be critical to your success. You will ensure all credit evaluations and decisions are in line with internal policies, regulatory guidelines, and credit approval frameworks.
Additionally, you will assess the adequacy and enforceability of collateral, working closely with legal to ensure proper documentation and perfection. Collaboration with Relationship Managers, Credit Committee, and other internal stakeholders will be key in driving timely and sound credit decisions.