Area Credit Manager- SME LAP- PUNE

4 weeks ago

pune, India The Bank Force Full time

Position: Area Credit Manager – LAP- SME Loans- Pune


CTC Upto 16 Lacs max.


Requirements:

  • Chartered Accountant (CA) or MBA (Finance).
  • Minimum experience required of 4 years.
  • Underwriting of secured loans - MSME customers.


Reporting to: ZCM/RCM


Specific Responsibilities:


  • Underwriting of EML & SME Cases: Evaluate and approve credit applications for LAP loans.
  • Utilize Loan Systems: Make optimal use of the Loan Origination System and Loan Management System to process loan applications efficiently.
  • Maintain Credit TAT: Ensure timely turnaround of credit applications in line with set timelines.
  • Policy Adherence: Manage credit underwriting processes as per the established policy guidelines.
  • Monitor Delinquency and NPA: Keep track of delinquency and Non-Performing Assets (NPA) to ensure they remain within budgeted levels for the product.
  • Credit Cost Management: Control credit costs within the approved budgets.
  • Feedback to Credit Policy: Provide feedback on credit policies based on underwriting experience to help refine and improve them.
  • Data Analysis and Reporting: Conduct data slicing/analysis and publish relevant reports.
  • PDD Monitoring: Oversee Post Disbursement Documentation (PDD) compliance.
  • Industry Analysis: Conduct industry analysis to stay informed about market trends and insights.
Key Performance Indicators:
  • Turnaround Time (TAT) for credit applications
  • Portfolio Quality
  • Quality of Appraisal
  • Cost Management
  • Implementation of Processes
Internal Stakeholders:
  • Sales Team
  • Credit Underwriting Team
  • HR
  • Admin
  • IT
External Stakeholders:
  • Customers
  • Agencies
Experience:
  • Minimum 5-6 years of experience in Credit Underwriting
Technical Competencies:
  • Positive, pro-business attitude
  • Excellent analytical skills
  • Strong communication and presentation skills
  • In-depth product knowledge
  • Ability to understand the viability of different asset types
  • Proficiency in reading and understanding legal and technical reports and valuations related to financed properties
Personal Attributes:
  • Strong presentation skills
  • Effective communication skills
  • Analytical mindset
  • Sincerity and integrity
  • Excellent liaising skills
Mandatory Skills:
  • Good communication skills
  • Strong financial analysis skills
  • Proficiency in computer applications

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