Job description:

Job Summary

We are looking for a detail-oriented and analytical Credit – MSME Executive to evaluate and process MSME loan proposals. The candidate will be responsible for credit appraisal, risk assessment, financial analysis, and ensuring compliance with internal credit policies to maintain a healthy MSME loan portfolio.

Key Responsibilities:
Evaluate MSME loan applications including Working Capital, Term Loans, LAP, and other business loans.
Conduct detailed credit appraisal and risk assessment.
Analyze financial statements (P&L;, Balance Sheet, Cash Flow), GST returns, ITR, and bank statements.
Perform ratio analysis, CMA data analysis, and cash flow assessment.
Verify KYC documents and ensure proper documentation as per company policy.
Coordinate with Sales, Legal, and Operations teams for smooth processing and disbursement.

Eligibility Criteria:
Bachelor’s degree in any.




1–2 years of experience in MSME credit appraisal (Bank/NBFC preferred).
Robust understanding of MSME financials and credit risk assessment.

Required Skills:
Strong analytical and financial analysis skills
Valuable understanding of balance sheet and cash flow assessment
Attention to detail and documentation accuracy
Valuable communication and interpersonal skills
Proficiency in MS Excel and financial tools

Preferred Skills:
Experience in NBFC/Bank MSME credit
Familiarity with credit rating tools and bureau analysis
Ability to work under deadlines and manage multiple cases.

Pay: ₹23,000.00 - ₹25,000.00 per month

Benefits:
Leave encashment
Paid sick time
Provident Fund

Work Location: In person

📌 Credits Msme Executive Kochi
🏢 Hedge Group of Companies
📍 Kochi