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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, bank statements
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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 defined by credit policy.
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2. 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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3. 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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4. 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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5. 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 training for updated credit norms.
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Preferred candidate profile
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- Solid knowledge of MSME financial analysis
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- Understanding of banking products & collateral-based lending
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- Good understanding of property-backed loans
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- 4+ Years of experience in Credit
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