Role & responsibilities

1. Loan Appraisal and Financial Analysis

- Review Loan Proposals: Evaluate applications for retail, MSME, housing, or commercial loans submitted by branches or direct sales teams.
- Financial Statement Vetting: Analyze Profit & Loss (P&L;) statements, Balance Sheets, Income Tax Returns (ITRs), GST filings, and bank statements to determine true cash flow and debt-servicing capacity.
- Credit Bureau Check: Pull and interpret credit scores and histories (such as CIBIL, Experian, or Equifax) to flag past defaults, delayed payments, or high existing leverage.
- Ratio Calculations: Compute key financial and risk metrics like Debt-to-Income (DTI) ratio, Loan-to-Value (LTV) ratio, and Fixed Charge Coverage Ratio (FCCR).

2.



Field Verification and Due Diligence

- Personal Discussions (PD): Conduct direct interviews or site visits with the borrower at their home or workplace to understand their business model, livelihood, and intent to repay.
- Asset and End-Use Verification: For secured or business loans, coordinate or execute physical/technical verification of collateral, machinery, or property.
- Document Authentication: Cross-verify the authenticity of KYC papers, property title deeds, salary slips, and business proofs to prevent fraud

📌 Credit Field Officer - Bolpur
🏢 Aye Finance
📍 Bolpur