Credit Manager - LAP

Ratnaafin Capital; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Ratnaafin Capital in Mumbai, India invites applications for a Credit Manager role focusing on loan underwriting, risk assessment and end-to-end processing. The candidate will review complex loan proposals, verify client credentials and ensure adherence to KYC norms and credit policies.

The role requires managing MIS, monitoring credit exposures, and coordinating with sales to ensure quick disbursement while maintaining high service quality. Prior LAP/BL credit management experience is preferred.

Qualifications

• Experience as a Credit Manager in LAP/BL in Bank/NBFC.
• Experience in end-to-end processing of loan proposals.

Responsibilities

• Review and assess complex loan applications within defined guidelines and recommend approval or escalation.
• Underwrite proposals per laid-down policies and procedures.
• Discuss with customers to verify credit worthiness and complete KYC documents.
• Assess income-to-obligation ratios and their impact on loan performance.
• Maintain Portfolio MIS and delinquency MIS with regular reporting.
• Build and leverage relationships to achieve best outcomes for clients.
• Handle client queries and resolve problems using industry knowledge.
• Exceed service quality standards and pursue process improvements.
• Critically review credit proposals to surface risk related to industry, business, financials and structure.
• Ensure collateral and risk mitigation to enable approving authority.
• Enable quick turnaround of lending proposals in liaison with sales.
• Ongoing review of exposures to ensure bankability.
• Oversee documentation from pre-sanction to post-disbursement with risk mitigation and policy adherence.
• Manage branch credit underwriting and coordinate with analysts and sales.

Skills

Credit Manager experience

End-to-End loan processing

Job description

Role & responsibilities

• Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Under write proposals as per the laid down policies & procedure.
• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• Assess income to obligation ratios, in depth knowledge of rational behind 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 relationships.
• 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 bankable.
• 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.
  

Preferred candidate profile

• Experience as a Credit Manager in LAP/BL in Bank / NBFC.
• Experience in End-to-End processing of loan proposals