Credit Manager

LAXMI INDIA FINANCE; Junagadh; On-site; INR 400,000 - 800,000; Full time

Job summary

LAXMI INDIA FINANCE in Gujarat seeks a loan analyst to evaluate loan applications and assess creditworthiness. You will analyze financial documents, bank statements, and credit reports to identify risks before approval.

Collaborate with sales, operations, legal, and collections to ensure smooth processing, verify documentation and collateral, and monitor portfolio performance to reduce NPAs.

Responsibilities

• Evaluate loan applications and assess customers' creditworthiness.
• Analyze financial documents, bank statements, and credit reports.
• Identify and manage credit risks before loan approval.
• Recommend loan approval, rejection, or revised loan terms.
• Ensure compliance with NBFC policies and regulatory guidelines.
• Verify loan documentation and collateral details.
• Monitor loan portfolio performance and reduce NPAs/defaults.
• Coordinate with sales, operations, legal, and collections teams for smooth loan processing.

Job description

Roles & Responsibilities :-

• Evaluate loan applications and assess customers' creditworthiness.
• Analyze financial documents, bank statements, and credit reports.
• Identify and manage credit risks before loan approval.
• Recommend loan approval, rejection, or revised loan terms.
• Ensure compliance with NBFC policies and regulatory guidelines.
• Verify loan documentation and collateral details.
• Monitor loan portfolio performance and reduce NPAs/defaults.
• Coordinate with sales, operations, legal, and collections teams for smooth loan processing.