Job Role

- Credit Manager

- Assist in credit evaluation, financial assessment, and loan processing activities.

- Evaluate customer financial information and supporting documents for credit assessment.

- Maintain accurate and up-to-date credit and financial records.

- Coordinate with customers regarding loan documentation and queries.

- Prepare and review CAM (Credit Appraisal Memo) based on client financials.

- Analyse bank statements and prepare ABB (Average Bank Balance) as required.

- Review CIBIL reports, SOA (Statement of Account), EMI details, and repayment records.

- Ensure loan documentation and credit processes comply with internal policies and regulatory requirements.

- Stay updated on applicable RBI guidelines and compliance requirements.

- Coordinate with Operations, Collections, Audit, and other internal departments.

Key Responsibilities

Credit Assessment & Loan Processing:

- Assist in evaluating customer creditworthiness and loan eligibility.

- Analyse financial documents, bank statements, income details, and other supporting documents.

- Support processing of PL, Business Loans, Unsecured Loans, and other lending products.

- Prepare and review credit assessment documents and CAM.

- Identify discrepancies or missing information and coordinate with customers for clarification.

Financial Analysis

- Analyse customer bank statements and calculate ABB as per requirements.

- Review CIBIL reports and credit history.





- Track and verify EMI payments and repayment information.

- Interpret SOA and identify relevant loan account details.

- Perform basic EMI calculations and financial analysis.

Documentation & Compliance

- Coordinate with clients to complete pending loan documentation.

- Verify the completeness and accuracy of credit-related documents.

- Maintain proper credit files and financial records.

- Ensure compliance with internal credit policies and applicable regulatory requirements.

- Stay updated with RBI guidelines and relevant compliance procedures.

Team Coordination

- Coordinate with Operations, Collections, Audit, and other internal teams.

- Communicate with customers regarding documentation requirements and loan-related queries.

- Follow up on pending documents and credit requirements.

- Provide timely updates to concerned teams.

Required Skills

- Experience: 1–2 years in the banking or financial services sector.

- Basic understanding of financial documents and loan products.

- Knowledge of PL, Business Loans, and Unsecured Loans.

- Ability to evaluate client financials and prepare CAM.

- Good understanding of bank statements and ABB preparation.

- Basic knowledge of EMI calculations, EMI tracking, CIBIL, and SOA.

- Strong analytical and numerical skills.

- Good coordination and communication skills.

- Robust attention to detail and documentation abilities.

📌 Credit Manager, Naraina (Delhi)
🏢 JobTrade
📍 Delhi