Credit Manager

6 days ago

Navi Mumbai, India Tata Capital Full time

Role & responsibilities

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 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 reporting the same.
  • Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
  • Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
  • Exceed service quality standards and strive for continuous process improvement
  • Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
  • Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
  • Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
  • Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
  • Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
  • Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

Preferred candidate profile

Qualifications:
CA with minimum 2 years of experience
or
MBA in Finance with 3-4 years of relevant experience in LAP underwriting

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