Key Responsibilities

- Credit Assessment: Analyze financial statements, credit reports, and tax returns to calculate risk ratios.
- Risk Management: Approve or reject loan requests based on creditworthiness, adhering to company policies and legal regulations.
- Portfolio Monitoring: Regularly review existing credit accounts to identify potential delinquencies or deteriorating credit quality.
- Collection & Compliance: Monitor accounts receivable, contact clients regarding overdue payments, and ensure compliance with regulatory standards.
- Documentation: Prepare detailed credit analysis memos and maintain accurate records of loan applications.

Required Skills & Qualifications

- Analytical Skills: High proficiency in financial analysis, Ratio Analysis, and Spreadsheets.
- Education: Bachelors degree in finance, economics, accounting, or a related field.
- Experience: Proven experience in credit analysis, lending, or banking.
- Knowledge: Familiarity with credit scoring software, loan management systems, and legal regulations

📌 Credit Manager - Micro LAP (Uttar Pradesh)
🏢 Array Job Solutions
📍 Uttar Pradesh