L&T FinanceCredit Manager-Business Loan
Navi Mumbai, Maharashtra, India31 Jul 202650P6QV
lt-finance/credit-manager-business-loanCredit Manager-Business Loan
Job Description
A Credit Manager for Business Loans / SME lending evaluates and underwrites commercial credit files, analyzes borrower financials, and mitigates default risk within set policy rules . They balance portfolio growth targets with strict asset quality control.
Core Responsibilities
- Credit Appraisal: Analyze financial statements, profit and loss accounts, balance sheets, and tax returns (ITR/GST) to judge a business's repayment capacity.
- Risk Evaluation: Conduct personal discussions (PD), field verifications, and CIBIL/Bureau checks to verify the applicant's background and business model.
- CAM Preparation: Build detailed Credit Appraisal Memos (CAM) with clear risk-mitigant recommendations for higher approval authorities.
- Policy Compliance: Ensure all files meet company credit policies, KYC mandates, and RBI/NBFC regulatory requirements.
- Cross-Functional Coordination: Partner with sales, legal, and technical teams to maintain turnaround times (TAT) for loan disbursal
- Portfolio Monitoring: Track early delinquency trends and support collections or recovery measures if bounce rates rise
Quick Apply
~2 minApply through whichever channel suits you best.
CompanyL&T Finance
Posted31 Jul 2026