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, bank statementsn
Balance sheets & P&L; statementsn
Cash flow assessment & surrogate income programsn
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

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 guidelinesn
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 training for updated credit norms.n

nPreferred candidate profile
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Robust knowledge of MSME financial analysisn
Understanding of banking products & collateral-based lendingn
Positive understanding of property-backed loansn
4+ Years of experience in Creditn

📌 Credit Manager Raigarh
🏢 easy home finance
📍 Raigarh