Credit Manager

Electronica Finance Limited; Kolkata District; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

A financial services company is seeking a candidate to evaluate, underwrite, and manage credit proposals for the MSME segment, involving loans across various categories including LAP, Machinery Loans, and Business Loans. The ideal candidate should have a minimum of 5 years of experience in underwriting and a strong grasp of credit policies and financial analysis. This role emphasizes collaboration with sales and operations for seamless loan processing while maintaining portfolio quality.

Qualifications

• Minimum 5+ years of experience in Business Loan/Machinery Loan/LAP underwriting.
• Good understanding of credit policies and procedures.

Responsibilities

• Evaluate and underwrite LAP, Machinery loan, business loan, and working capital loan proposals.
• Conduct detailed credit analysis and risk assessment.
• Ensure adherence to credit policy and compliance guidelines.
• Collaborate with sales and operations teams for loan processing.
• Keep updated about market scenario and report to credit team.

Skills

Credit underwriting

Ratio analysis

Balance sheet analysis

P&L analysis

Analytical Skills

Education

Any Graduate

Post Graduate

Job description

Key Purpose of the Job (Position Summary)

To evaluate, underwrite, and manage credit proposals across LAP, Machinery Loans, Business Loans (BL) and Working Capital (WC) for the MSME segment by performing detailed credit appraisal and risk assessment, ensuring compliance with credit policies and regulatory guidelines, partnering with sales and operations for seamless loan processing, and maintaining a high-quality portfolio with strong credit discipline and asset quality focus

Key Functions & Responsibilities

• Evaluate and underwrite LAP, Machinery loan, business loan and working capital loan proposals for MSME segment.
• Conduct detailed credit analysis, financial statement review, and risk assessment.
• Ensure adherence to credit policy and compliance guidelines.
• Collaborate with sales and operations teams for smooth loan processing.
• Coordinate with the team. Keeping update about market scenario in his area and giving constant updates to Head office credit team.

Education & Experience Requirement

• Education: Any Graduate, Post Graduate
• Experience: Minimum 5+ years in Business Loan / Machinery Loan / LAP underwriting (MSME segment)

Desired Candidate Profile:

• Good experience in Credit underwriting
• Good in Ratio analysis, Balance sheet analysis, P&L analysis
• Good analytical Skills
• Understanding of credit policies and procedures