Credit Manager-Business Loan

A Credit Manager for Business Loans / SME lending evaluates and underwrites commercial credit files, analyzes borrower financials, and mitigates default risk within set policy rules . They balance portfolio growth targets with strict asset quality control.  

 

Core Responsibilities

• Credit Appraisal: Analyze financial statements, profit and loss accounts, balance sheets, and tax returns (ITR/GST) to judge a business's repayment capacity.  

• Risk Evaluation: Conduct personal discussions (PD), field verifications, and CIBIL/Bureau checks to verify the applicant's background and business model.

• CAM Preparation: Build detailed Credit Appraisal Memos (CAM) with clear risk-mitigant recommendations for higher approval authorities.

• Policy Compliance: Ensure all files meet company credit policies, KYC mandates, and RBI/NBFC regulatory requirements.

• Cross-Functional Coordination: Partner with sales, legal, and technical teams to maintain turnaround times (TAT) for loan disbursal

• Portfolio Monitoring: Track early delinquency trends and support collections or recovery measures if bounce rates rise