Job Description

Role & responsibilities

n
Credit Appraisal & Underwriting

n

n
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 statements
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 defined by credit policy.
n

n
Risk Assessment & Due Diligence

n

n
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

n
Portfolio Monitoring

n

n
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

n
Policy & Compliance

n

n
Ensure adherence to internal credit policies and regulatory guidelines
n
Maintain proper documentation and audit trail.
n
Support internal and external audits.
n

n
Business Support

n

n
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

n

Preferred candidate profile

n

n
Solid 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 Msme Mumbai (India)
🏢 easy home finance
📍 India