Credit Underwriting Process

We combine domain expertise, efficient tools and specialised technology tools for an adept credit underwriting process.

Writer Information's BPS team gives a complete and thorough credit underwriting service for multiple lending institutions.

Credit appraisal or Underwriting in a Bank, Financial Services or an Insurance company is a risk assessment process of appraising the creditworthiness of someone applying for a loan or an insurance policy. To assess the credibility of the borrower, his sources of income, age, experience, number of dependents, repayment capacity, past and existing loans/policies, health, nature of employment and other assets are taken into account.

We at Writer Information support credit assessment and Underwriting activities within BFSI by providing â€œEnd to End Life Cycle Management. This means from the first-mile pickup, processing to the last-mile storage we are a One Stop Shop for the customers, and this gives us a competitive advantage. The services that form a part of this end-to-end journey include:

Customer On boarding – Digital or Physical
KYC validation and Verification
Data Processing
CAM preparation (Credit Appraisal) and Case Preparation (Insurance)
- KYC Verification
- Financial Analysis and Plotting
- Health Investigation (Insurance)
- Recommendation of Decision
Tele Verification or Tele Underwriting
Field Investigation – Demographics, Employer and Social
Post Sanction Document Collection – Agreements, NACH
Non Discrepancy Check – Post Sanction Scrutiny
Disbursement
Secured Storage – Physical or Digital (Cloud)