Credit Manager - LAP

Ratnaafin Capital; Rajkot; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Ratnaafin Capital in Rajkot, Gujarat, is seeking a Credit Manager to review and approve complex loan proposals, ensuring compliance with KYC norms and policy guidelines. You will underwrite end-to-end loan cases, analyze income ratios, and maintain critical MIS for portfolio performance.

The role emphasizes client relationships, quick turnaround on lending proposals, and risk mitigation to support branch credit decisions with sales collaboration.

Qualifications

• Experience in assessing loan proposals within approved policies.
• Ability to perform KYC checks and verify documents.

Responsibilities

• Review and assess a broad range of loan applications within guidelines and recommend approvals to higher authorities.
• Underwrite proposals per laid down policies and procedures.
• Conduct discussions with customers to verify creditworthiness and ensure completion of KYC and documents.
• Assess income-to-obligation ratios and understand impact on loan performance.
• Maintain and report Portfolio MIS, Delinquency MIS and other related MIS.

Skills

Credit underwriting

LAP/BL experience

Loan processing

KYC compliance

Client relationships

MIS reporting

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