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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 “End 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)

Credit Appraisal Process

Risk Factors In Life Insurance

Operational benefits

Our Value Differentiators

  • Get technology-led domain expertise across multiple verticals

  • Gain from specialised transition management skills and solutions

  • Benefit from the only E2E data governance solution provider in India

  • Avail of a scalable value-chain with onboarding, servicing, and deboarding

  • Take advantage of best-in-class delivery capabilities across India, Middle East and Africa

  • Profit from process re-engineering emphasis on customer delight, risk reduction, and optimal servicing cost


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Writer Information Business Process Services

Writer Information Business Process Services

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