Roles and Responsibilities Assess the ability and intention to pay of the customer based on the visible proofs, documents submitted by the customer and personal discussion for all the Unsecured Loans (PL) ? Credit appraisal of Personal loan, based on the analysis of documents & other related reports. (Underwriting authority lacs for PL). ? Detailed risk profiling of the customer & business, assessing Credit Risk, Operation Risk, Market Risk.