Credit Manager - LAP AND BL
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Finance & Banking
Credit Analyst, Risk Manager/Analyst, Financial Analyst
Job Description & How to Apply Below
Position: Credit Manager – LAP & Business Loan
Location: Ahmedabad
Experience: 3–7 Years
Industry: NBFC / Banking / Financial Services
Evaluate and underwrite Loan Against Property (LAP) and Business Loan (BL) proposals.
Conduct detailed credit appraisal
, financial analysis, and risk assessment.Analyze financial statements, bank statements, GST returns, ITRs, and cash flow.
Assess repayment capacity and recommend suitable loan structures.
Review property valuation, legal reports, and collateral documents.
Ensure compliance with internal credit policies and regulatory guidelines.
Coordinate with Sales, Operations, Legal, and Technical teams for timely loan processing.
Prepare credit appraisal notes and recommend approvals/rejections.
Monitor portfolio quality and maintain defined TATs.
Strong knowledge of LAP and Business Loan products.
Experience in Credit Underwriting and Financial Analysis
.Understanding of Income Assessment
, Banking Analysis
, and Risk Evaluation
.Knowledge of property valuation and legal documentation.
Good analytical, decision-making, and communication skills.
Graduate/Postgraduate in Commerce, Finance, or Management.
CA/CFA/MBA (Finance) preferred.
3–7 years of relevant experience in NBFC, Bank, or Financial Institution
.Hands-on experience in Loan Against Property (LAP) and Business Loan (BL) underwriting is mandatory.
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