Job DescriptionRole & responsibilities

N1. Credit Appraisal & Underwriting

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- Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.
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- Conduct detailed financial analysis of:
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- ITRs, GST returns, bankstatements
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- Balance sheets & P&L; statements
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- Cash flow assessment & surrogate income programs
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- Evaluate business stability, repayment capacity, and industry risk.
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- Recommend deviations with proper justification as per policy matrix.
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- Maintain TAT as definedby credit policy.
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n2. Risk Assessment& Due Diligence

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- Conduct personal discussion (PD) with applicants.
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- Assess collateral security & property valuation reports.
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- Coordinate with Legal, Technical for report validation.
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- Identify early warning signals and mitigate credit risk.
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n3. Portfolio Monitoring

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- Track disbursed cases and monitor early delinquency trends.
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- Support collections team for high-risk accounts.
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- Ensure portfolio quality within defined bucket norms.
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n4. Policy & Compliance

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- Ensure adherence to internal credit policies and regulatory guidelines
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- Maintain proper documentation and audit trail.
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- Support internal and external audits.
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n5. Business Support

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- Coordinate with Sales/Branch team for structured proposals.
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- Provide guidance to sourcing team on policy and documentation.
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- Participate in trainingfor updated credit norms.
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nPreferred candidate profile

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- Strong knowledge of MSME financial analysis
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- Understanding of banking products & collateral-based lending
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- Positive understanding of property-backed loans
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- 4+ Years of experience in Credit
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📌 Credit Manager - Msme (Alibag)
🏢 easy home finance
📍 Alibag