Credit Manager-Loans

Role & responsibilities

Job Profile

A Credit Analyst (Loans) is responsible for assessing, approving and underwriting loan applications while ensuring minimal risk to the financial institution.

Job Title: Credit Analyst Loans

Key Responsibilities:

• Checking and analyzing of credit scores with various credit bureaus like CIBIL.
• Guiding sales team on potential of various cases on the basis of documents and credit reports.
• Analyze bank statements – physically as well as digitally.
• Summarizing the case in CAM (Credit Appraisal Memo).
• Have personal / tele discussions with customers at office or on field.
• Co-ordinating with Field team for physical verifications.
• Co-ordinating with Sales team for case closures.
• Assisting credit manager on adhoc tasks for faster TAT on cases.
• Coordinating with client for his approval on sanctioned amount.
• Finalizing the case with proper documentations and sending for audit.
• Tracking portfolio performance for delinquencies and propose corrective policy measures to Credit Manager.

Key Skills Required

• Self-driven and focused individual.
• Common Sense with Street smartness.
• Good at basics of maths, excel and loan calculations and working.
• Analytical bent of mind with keen eye on details.
• High emotional intelligence and strong interpersonal skills.
• Well organized.

Qualifications & Experience

• Bachelor’s or Master’s degree in Finance, Accounting, Economics, or related fields.
• Minimum 2 years of experience in banking, NBFCs, or financial institutions.
• Knowledge of loan processing systems and credit assessment tools will be preferred.