Job DescriptionRole & responsibilities

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- Review and assessa broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
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- Under write proposals as per the laid down policies & procedure.
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- Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
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- Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
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- Maintain Portfolio MIS,Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
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- Build and facilitate the best outcomes for clients by building and leveraging effective relationships.
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- Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
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- Exceed service quality standards and strive for continuous process improvement.
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- 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.
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- Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
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- Enable quick turnaroundtime of credit lending proposals for the business in close liaison with the sales team.
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- Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
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- 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
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- 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.
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nPreferred candidate profile

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- CA/CFA or MBA in Finance.
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- Experience as a Credit Manager in LAP
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- Experience in End-to-End processing of loan proposals
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📌 Credit Manager - Lap (Alibag)
🏢 Ratnaafin
📍 Alibag