Underwriting Analysts – Gold/ Non-Gold Lending

We are seeking a detail-oriented Underwriting Analyst with expertise in secured loans against gold and non-gold assets, as well as unsecured loans. The ideal candidate will possess specialized knowledge in credit underwriting and demonstrate strong negotiating skills. This role requires the ability to work efficiently under tight deadlines in a fast-paced environment while maintaining accuracy and thoroughness in assessing loan applications.

Key Responsibilities:
- Mitigate lending risk by thoroughly analyzing applicants’ financial information and making well-informed recommendations.
- Collaborate effectively with loan underwriting and business teams to ensure a smooth and timely application process for clients.
- Evaluate and review loan applications and supporting documents for accuracy and completeness.
- Analyze various aspects of an applicant’s financial background, including employment history, credit reports, banking and asset information, borrowing history, repayment capacity, and other relevant risk factors.
- Identify any undisclosed debts, cash flow problems, or missing financial information that may impact loan decisions.
- Determine appropriate loan amounts in line with company policies and the financial health of applicants.
- Make loan eligibility decisions by approving or rejecting applications based on thorough assessment.
- Document and communicate clearly the reasons behind loan approvals or rejections, and return applications requiring additional documentation to loan officers for further review.
- Prepare detailed reports on assessment findings and maintain management information systems (MIS) for all approved, declined, and under-processed loans.

Required Qualifications:
- Bachelor’s degree in Business, Banking, Finance, or a related field.
- Solid understanding of loan processing procedures and relevant legal regulations.
- Minimum of 1 year of experience in banking, preferably in loan underwriting.
- Ability to perform well under pressure and meet strict deadlines.
- Strong verbal and written communication skills.

This position offers an opportunity to contribute to a dynamic lending environment by ensuring prudent credit decisions and supporting the company’s risk management objectives. Candidates who thrive in a fast-paced setting and have a keen eye for detail will find this role rewarding.