# *Job Description (JD)*
## *Position:*
**Loan Proposal & Credit Assessment Manager**
## *Organization:*
Chamber of Indian Micro Small and Medium Enterprises
## *Experience Required:*
8–10 Years
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## *Preferred Background:*
* Retired Banker
* Ex-Bank Credit Manager
* NBFC Credit Professional
# *Role Overview*
We are looking for an experienced, results-oriented professional with strong knowledge of MSME financing, business loan processing, and banking coordination.
The candidate will be responsible for understanding MSME credit requirements, preparing bankable loan proposals, coordinating with Banks/NBFCs, and ensuring successful sanction and disbursement of loans.
The ideal candidate should have practical exposure in handling MSME loan cases and strong relationships or communication skills with banking institutions.
# *Key Responsibilities*
## *MSME Credit Assessment*
* Understand funding requirements of MSMEs and businesses
* Analyse financial statements, GST, ITR, banking, and business profiles
* Assess eligibility for different loan products
## *Loan Proposal Preparation*
* Prepare detailed CMA data and project reports
* Draft professional loan proposals and documentation
* Structure cases as per banking norms and credit policies
## *Banking Coordination*
* Coordinate with Banks, NBFCs, and Financial Institutions
* Conduct discussions with Bank Officials and Credit Teams
* Follow up regularly for sanction, queries, and approvals
## *End-to-End Loan Processing*
* Handle loan cases from application to disbursement
* Ensure proper documentation and compliance
* Resolve banking observations and technical queries
## *Credit Advisory*
* Guide MSMEs on suitable funding schemes
* Assist clients in improving creditworthiness
* Support in Government/MSME loan schemes wherever applicable
## *Relationship Management*
* Maintain professional relationships with lenders
* Build strong client engagement and trust
* Support business development for MSME financing services
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# *Required Skills*
* Strong understanding of MSME loan products
* Knowledge of Working Capital, Term Loan, CGTMSE, OD/CC Limits, Machinery Finance, etc.
* Expertise in proposal analysis and financial assessment
* Understanding of banking documentation and compliance
* Excellent communication and negotiation skills
* Ability to coordinate with multiple Banks and stakeholders
* Good knowledge of financial statements and ratio analysis
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# *Preferred Candidate Profile*
* 8–10 years experience in MSME lending or banking
* Retired banker
* CA Inter / MBA Finance
* Existing banking network will be an added advantage
* Strong practical knowledge of loan sanctions and processing
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# *Key Objective*
To support MSMEs in obtaining business financing by professionally managing the complete loan journey — from requirement analysis and proposal preparation to banking coordination, sanction, and successful disbursement.
Pay: ₹20,000.00 - ₹50,000.00 per month
Benefits:
- Cell phone reimbursement
- Flexible schedule
- Paid sick time
Work Location: In person
