Key Roles & Responsibilities
- Evaluate Business Loan applications and assess borrower creditworthiness.
- Analyze financial statements, bank statements, GST returns, ITRs, and business cash flows.
- Conduct detailed credit appraisal and prepare credit assessment notes.
- Verify customer eligibility, business stability, repayment capacity, and risk factors.
- Review field investigation and verification reports.
- Ensure adherence to credit policies, underwriting guidelines, and regulatory requirements.
- Coordinate with Sales, Operations, Legal, Technical, and Risk teams for loan processing.
- Recommend approval, deviation, or rejection of cases based on risk assessment.
- Monitor portfolio quality and support delinquency control measures.
- Maintain TAT for credit decisions and enhance customer experience.
📌 Walk-in || Credit Manager - Unsecured Loan (Chennai)
🏢 IHFL
📍 Chennai