Job DescriptionRole & responsibilities N1. Credit Appraisal & Underwriting Nn Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans. N Conduct detailed financial analysis of: N ITRs, GST returns, bankstatements N Balance sheets & P&L; statements N Cash flow assessment & surrogate income programs N Evaluate business stability, repayment capacity, and industry risk. N Recommend deviations with proper justification as per policy matrix. N Maintain TAT as definedby credit policy. Nn2. Risk Assessment& Due Diligence Nn Conduct personal discussion (PD) with applicants. N Assess collateral security & property valuation reports. N Coordinate with Legal, Technical for report validation. N Identify early warning signals and mitigate credit risk. Nn3. Portfolio Monitoring Nn Track disbursed cases and monitor early delinquency trends.



N Support collections team for high-risk accounts. N Ensure portfolio quality within defined bucket norms. Nn4. Policy & Compliance Nn Ensure adherence to internal credit policies and regulatory guidelines N Maintain proper documentation and audit trail. N Support internal and external audits. Nn5. Business Support Nn Coordinate with Sales/Branch team for structured proposals. N Provide guidance to sourcing team on policy and documentation. N Participate in trainingfor updated credit norms. NnPreferred candidate profile Nn Robust knowledge of MSME financial analysis N Understanding of banking products & collateral-based lending N Good understanding of property-backed loans N 4+ Years of experience in Credit N

📌 Credit Manager - Msme (Alibag)
🏢 easy home finance
📍 Alibag