Home
Communities
Companies
- Companies
  
  Discover best places to work
- Compare Companies
  
  Compare & find best workplace
- Add Office Photos
  
  Bring your workplace to life
- Add Company Benefits
  
  Highlight your company's perks
Reviews
- Company reviews
  
  Read reviews for 6L+ companies
- Write a review
  
  Rate your former or current company
Salaries
- Browse salaries
  
  Discover salaries for 6L+ companies
- Salary calculator
  
  Calculate your take home salary
- Are you paid fairly?
  
  Check your market value
- Share your salary
  
  Help other jobseekers
Interviews
- Company interviews
  
  Read interviews for 40K+ companies
- Campus placements
  
  Interviews questions for 1K+ colleges
- Share interview questions
  
  Contribute your interview questions
Jobs
Awards

WINNERS AWAITED!
- ABECA 2025
  
  WINNERS AWAITED!
  
  AmbitionBox Employee Choice Awards - 4th Edition
- ABECA 2024
  
  AmbitionBox Employee Choice Awards - 3rd Edition
- AmbitionBox Best Places to Work 2022
  
  2nd Edition
- AmbitionBox Best Places to Work 2021
  
  1st Edition

For Employers

Add office photos

Employer? Claim Account for FREE

Ratnaafin Management Services

Compare

3.2

based on 8 Reviews

12 Ratnaafin Management Services Jobs

Credit Manager - Micro LAP

Ratnaafin management services

3.2

based on 8 Reviews

1-6 years

Bilimora, Jamnagar

1 vacancy

Credit Manager - Micro LAP

Ratnaafin Management Services

posted 20d ago

Job Role Insights

Flexible timing

Key skills for the job

Salesforce Biochemistry Credit Underwriting Financial Management Credit Risk Modelling Process Improvement

+ 3 more

Job Description

Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decisions or recommend for approval to higher authorities.
Underwrite proposals as per the laid down policies &
Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
Assess income to obligation ratios, in-depth knowledge of the rational behind the calculation of ratios and its impact on loan performance during the loan tenure.
Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly reporting the same.
Build and facilitate the best outcomes for clients by building and leveraging effective
Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
Exceed service quality standards and strive for continuous process improvement
Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
Undertake ongoing review of the credit exposures to ensure that the exposure continues to be
Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.