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. 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. N

n2. Risk Assessment& Due Diligence
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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

n3. Portfolio Monitoring
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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

n4. Policy & Compliance
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Ensure adherence to internal credit policies and regulatory guidelines N
Maintain proper documentation and audit trail. N
Support internal and external audits. N

n5. Business Support
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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. N

nPreferred candidate profile
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Robust knowledge of MSME financial analysis N
Understanding of banking products & collateral-based lending N
Positive understanding of property-backed loans N
4+ Years of experience in Credit N

📌 Credit Manager Alibag
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