Job DescriptionRole & responsibilities Nn Review and assessa broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. N Under write proposals as per the laid down policies & procedure. N Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. N Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. N Maintain Portfolio MIS,Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. N Build and facilitate the best outcomes for clients by building and leveraging effective relationships. N Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems N Exceed service quality standards and strive for continuous process improvement. N Undertake critical review of the credit proposals with a view to bring out the industry, business, financial,



management and facility structure risk contained in the credit proposal. N Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. N Enable quick turnaroundtime of credit lending proposals for the business in close liaison with the sales team. N Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. N Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies N Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. NnPreferred candidate profile Nn CA/CFA or MBA in Finance. N Experience as a Credit Manager in LAP N Experience in End-to-End processing of loan proposals N

📌 Credit Manager - Lap (Alibag)
🏢 Ratnaafin
📍 Alibag