Credit Manager - Secured Business Loans (Micro LAP) - Jhunjhunu - Indira Nagar - J Grades

As a Credit Officer, your primary responsibility will be to verify whether all loan applications are assessed in accordance with the credit policy and to ensure that any deviations are appropriately mitigated and documented. You will have direct interactions with customers, conducting personal discussions and interviews to assess their creditworthiness. It will be essential to maintain a quick turnaround time for processing files and establish strong relationships with customers. In addition to customer interactions, you will collaborate with the sales and operations teams to gather accurate data for loan evaluations. You must oversee the proper security creation process for all secured loans and ensure compliance with KYC guidelines issued by the RBI. Your role will involve analyzing credit parameters, maintaining relationships with sales and relationship managers for documentation, and addressing any audit queries that may arise. To excel in this role, you must possess strong analytical skills, proficiency in processing data using computer spreadsheets, and the ability to evaluate clients even in the absence of audited financial statements. A deep understanding of risk, including operational, credit, and market risks, is crucial for effective decision-making. Furthermore, you should be willing and capable of traveling within the city as needed to fulfill job requirements.,