Credit Manager - Loan Against Property

To underwrite and manage the portfolio in assigned branch/location.

Responsibilities

• Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.
• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification – telephonic, field & collateral visits.
• Assess income to obligation ratios, in depth knowledge of the rational behind calculation of ratios and its impact on loan performance during the loan tenure.
• Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly report the same.
• Build and facilitate the best outcomes for clients by building and leveraging effective relat...