Role & responsibilities
1. Credit Appraisal & Underwriting
- Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.
- Conduct detailed financial analysis of:
- ITRs, GST returns, bank statements
- Balance sheets & P&L statements
- Cash flow assessment & surrogate income programs
- Evaluate business stability, repayment capacity, and industry risk.
- Recommend deviations with proper justification as per policy matrix.
- Maintain TAT as defined by credit policy.
2. Risk Assessment & Due Diligence
- Conduct personal discussion (PD) with applicants.
- Assess collateral security & property valuation reports.
- Coordinate with Legal, Technical for report validation.
- Identify early warning signals and mitigate credit risk.
3. Portfolio Monitoring
- Track disbursed cases and monitor early delinquency trends.
- Support collections team for high-risk accounts.
- Ensure portfolio quality within defined bucket norms.
4. Policy & Compliance
- Ensure adherence to internal credit policies and regulatory guidelines
- Maintain proper documentation and audit trail.
- Support internal and external audits.
5. Business Support
- Coordinate with Sales/Branch team for structured proposals.
- Provide guidance to sourcing team on policy and documentation.
- Participate in training for updated credit norms.
Preferred candidate profile
- Strong knowledge of MSME financial analysis
- Understanding of banking products & collateral-based lending
- Good understanding of property-backed loans
- 5+ Years of experience in Credit
