Credit Manager
Credit Manager
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Job Description
Position: Credit Manager (Business Loan and Personal Loan)
CTC: Upto 10 LPA
Location: Jaipur Rajasthan
Experience: 35 Years in Credit Underwriting
Note: Immediate Joiners are Preferred and "Encouraging Workforce Diversity"
Responsibilities:
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Credit Assessment: Evaluate the creditworthiness of Business Loan and Personal Loan applicants based on financial documents credit history and risk analysis.
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Underwriting: Review loan applications ensuring compliance with lending policies regulatory requirements and internal guidelines.
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Decision Making: Make informed decisions on loan approvals rejections or modifications considering factors such as the applicant's income debttoincome ratio collateral and credit score.
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Risk Management: Identify potential risks associated with loan applications and develop strategies to mitigate them ensuring a balanced loan portfolio.
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Client Communication: Communicate credit decisions to applicants and provide explanations for denials or requests for additional information.
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Collaboration: Work closely with sales operations and legal teams to streamline the loan approval process and resolve any issues that may arise.
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Policy Development: Contribute to the development and refinement of lending policies procedures and credit scoring models to enhance efficiency and risk management.
Qualifications:
- Bachelor's degree in finance accounting or a related field. A Master's degree is preferred.
- Proven experience in credit assessment and underwriting specifically in the Business Loan and Personal Loan segment.
- Strong understanding of lending principles credit analysis techniques and regulatory requirements.
- Excellent analytical skills with the ability to interpret complex financial data and make sound decisions.
- Effective communication and negotiation skills with the ability to interact confidently with clients and internal stakeholders.
- Attention to detail and the ability to work efficiently in a fastpaced environment.
- Knowledge of industryspecific software and tools used for credit analysis and underwriting
Regards
Vanshika Agarwal
Staffiaa Services
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Employment Type
Full Time
