Credit Manager

4 days ago

Indore India YES BANK Full time

Job Description Core Responsibilities - Credit delegation authority to be exercised with all due diligence within the policy framework. - Adherence to the defined policy/process & timely decision on all applications being processed. - Interpretation of credit bureau reports, dedupe checks, assessment of financial statements, plotting financial tools/spreadsheets & evaluate financial ratios, analysis of bank statements, ascertain existing liability of applicant and overall arriving the financial eligibility in line with the policy. - To ensure all loan applications are processed within the defined turn-around time [TAT]. - Increase the efficiency of underwriting by reducing reworks and increasing FTR in all the activities carried. - Follow up with sales counterparts for pending cases to ensure both credit TAT and E2E TAT are met as defined by the senior management. - To check data entry quality is intact and error rate is minimal; periodic feedback to be shared with data entry vendors/ respective team. - To conduct customer tele verification / physical visits- personal discussion with applicants to understand the profile, business model, requirement, end-use, seek clarification if any etc. - To keep a track on market factors & identify the impact on credit portfolio & decisioning. - To keep focus on creating high quality portfolio. - Ensuring proper covenant management is done. People Management or Self-Management Responsibilities - To interact closely with other functions such as Sales /Operations/ CSS/ Collections in ensuring smooth delivery of objectives. - Vendor management: To manage all risk vendors such as CPV, PD, CPA vendor and in-house CPAs wherever available. - To impart regular training and share feedback to improve quality. Risk and Internal Control Responsibilities - Audit & regulatory compliance on all aspects stipulated by central team. - Credit quality: Ensuring Nil PAR errors and Nil QM cases. - Credit authority delegation to be exercised without any instance of transgression of powers. Years of Experience - MBA or CA / Min 3 years of underwriting experience. Nature of Experience - Credit underwriting of Housing /mortgage loans preferred.

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