Job Description
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
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