Job Description Role & responsibilities
n 1. Credit Appraisal & Underwriting
n n 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, bank statements
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 defined by credit policy.
n n 2. Risk Assessment & Due Diligence
n n 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.
n n 3. Portfolio Monitoring
n n Track disbursed cases and monitor early delinquency trends.
n Support collections team for high-risk accounts.
n Ensure portfolio quality within defined bucket norms.
n n 4. Policy & Compliance
n n Ensure adherence to internal credit policies and regulatory guidelines
n Maintain proper documentation and audit trail.
n Support internal and external audits.
n n 5. Business Support
n n Coordinate with Sales/Branch team for structured proposals.
n Provide guidance to sourcing team on policy and documentation.
n Participate in training for updated credit norms.
n n Preferred candidate profile
n n Strong knowledge of MSME financial analysis
n Understanding of banking products & collateral-based lending
n Valuable understanding of property-backed loans
n 4+ Years of experience in Credit
n