Shiv Ram Gupta

Evaluating the creditworthiness of applicants for loans or credit facilities. They assess the risk associated with lending and make informed decisions on loan approvals while ensuring compliance with financial regulations and the institution's policies. Responsibilities: Analyze credit applications and financial statements of individuals or businesses. Evaluate the applicant's credit history, income, assets, and liabilities to determine their ability and willingness to repay debt. Utilize credit scoring systems and other risk assessment tools to quantify risk. Assess collateral, if applicable, to determine its value and suitability as security for the loan.