Credit Manager - MSME

Role & responsibilities

1. Credit Appraisal & Underwriting

• Assess MSME loan proposals including LAP, Micro LAP, HL for Self-Employed, and Business Loans.
• Conduct detailed financial analysis of:
• ITRs, GST returns, bank statements
• Balance sheets & P&L statements
• Cash flow assessment & surrogate income programs
• Evaluate business stability, repayment capacity, and industry risk.
• Recommend deviations with proper justification as per policy matrix.
• Maintain TAT as defined by credit policy.

2. Risk Assessment & Due Diligence

• Conduct personal discussion (PD) with applicants.
• Assess collateral security & property valuation reports.
• Coordinate with Legal, Technical for report validation.
• Identify early warning signals and mitigate credit risk.

3. Portfolio Monitoring

• Track disbursed cases and monitor early delinquency trends...