Job Role

Responsible for checking and approving loan applications at the branch. Reviews customer financial details to ensure they can repay loans. Follows company rules to reduce risk and avoid bad loans. Monitoring loan performance and supports the team for smooth and timely processing.

Key Responsibilities:
Checking of files for required minimum documents application form, KYC, income documents, banking, etc. and Login of files
Raising query for incompleteness, if any
Check for CIBIL reports and available documents for loan eligibility
Going for personal discussion with customer for business, property and residence
Checking for completeness of critical financial query
Preparation of CAM for loan recommendation along with visit reports (in standard format latest version shared from HO)
Recommendation/rejection of cases with detailed reason
System data entry of cases and issue of sanction letter




Preparation and updating of daily MIS and submission to HO team
Coordinate with various departments for coordination and smooth functioning and for submission/compliance of observations, if any
Follow up with customers in early delinquent cases
Checking of valuation reports for correctness/accuracy
Submission of files to operations team along with copy of approval and signed visit reports
Initiation of FCU after sanction

Required Skills:
Positive at checking loan applications
Knowledge of loan rules and policies
Knowledge of credit risk management
Ability to control bad loans
Coordination with sales and operation team
Ability to maintain quality credit portfolio

Qualifications:
Graduate / Postgraduate
7 - 10 years’ experience in Credit
Experience in HFC / NBFC / Banking preferred

📌 Regional Credit Manager Karnataka
🏢 Manappuram Home finance
📍 Karnataka