Job Description:

Credit Appraisal & Underwriting

- Evaluate loan applications and assess borrower creditworthiness.
- Analyze financial statements, income documents, bank statements, and credit reports.
- Conduct detailed risk assessments and verify customer repayment capacity.
- Recommend approval, modification, or rejection of credit proposals as per delegation authority.

Credit Risk Management
- Identify and mitigate credit and operational risks.
- Ensure adherence to credit policies, underwriting standards, and regulatory guidelines.
- Monitor portfolio performance and recommend corrective actions for high-risk accounts.
- Maintain healthy portfolio quality and minimize delinquency levels.

Field Investigation & Verification
- Conduct customer discussions and field visits where required.
- Verify customer profile, business stability, residence, employment, and repayment capacity.
- Coordinate with verification agencies and valuation vendors.

Documentation & Compliance
- Ensure completeness and accuracy of loan documentation.
- Verify legal, technical, financial, and KYC documents before approval.
- Maintain compliance with RBI, company policies, and audit requirements.
- Support internal and external audits.

Portfolio Monitoring




- Monitor sanctioned accounts and post-disbursement performance.
- Track early warning signals and overdue accounts.
- Coordinate with collections and operations teams for portfolio management.

Stakeholder Coordination
- Collaborate with Sales, Operations, Legal, Technical, and Collection teams for seamless loan processing.
- Provide credit guidance and training to branch staff.
- Resolve credit-related queries and escalations.

MIS & Reporting
- Prepare daily, weekly, and monthly credit MIS reports.
- Track approval ratios, turnaround times, and portfolio quality metrics.
- Present credit recommendations and portfolio analysis to management.

Required Qualifications

- Graduate in Commerce, Finance, Economics, or related field.
- MBA (Finance) / CA Inter preferred.
- 3–8 years of experience in credit appraisal, underwriting, or risk management within Banking, NBFC, HFC, or Financial Services.

Key Skills

- Credit Assessment & Underwriting
- Financial Statement Analysis
- Risk Assessment & Mitigation
- Loan Documentation Review
- Credit Policy Compliance
- Portfolio Monitoring
- Analytical & Decision-Making Skills
- Communication & Stakeholder Management
- MS Excel & MIS Reporting

📌 Credit Manager (Jalgaon)
🏢 equitas small finance bank
📍 Jalgaon