Loan Processor
Gbn Finex Private LimitedFixed
₹15,000 - ₹18,000
Earning Potential
₹18,000
Fixed
₹15,000 - ₹18,000
Earning Potential
₹18,000
Work from Office
Full Time
Min. 1 year
Basic EnglishJob Description
Credit/Loan Appraisal Officer – Short Job Description
Focus: CMA Data & Project Reports for Bank Loans
Core Role: Assess borrower creditworthiness and prepare documents to get loans sanctioned from banks.
Key Duties:
1. Appraise Loan Proposals - Check financials, ITR, GST, bank statements, CIBIL. Calculate ratios like DSCR, Current Ratio, D/E.
2. Prepare CMA Data - Make Forms I to VI with 2 yrs past + 3 yrs projected P&L, Balance Sheet, Fund Flow, MPBF calculation for working capital loans.
3. Make Project Reports - For term loans: cost of project, means of finance, 5-7 yr projections, DSCR, BEP, market & technical analysis.
4. Bank Liaison - Compile loan file, reply to bank queries, attend meetings, ensure RBI/bank policy compliance.
5. Risk Analysis - Evaluate 5 Cs of Credit, collateral, repayment capacity, and recommend sanction/rejection.
Skills Needed: Tally, Excel, financial analysis, knowledge of RBI norms, CMA formats, banking products.
Qualification: B.Com/M.Com/MBA Finance/CA Inter + 1-3 yrs exp in banking/CA firm/finance preferred.
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The candidate should have completed Graduate degree and people who have 1 to 31 years are eligible to apply for this job. You can apply for more jobs in Surat to get hired quickly.
The candidate should have Basic English skills and sound communication skills for this job.
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