Credit Manager – Home Loans

4 weeks ago

Bhavnagar, Gujarat, India Mspire Ventures Full time

Credit Manager - Home Loans Loan Against PropertyCompany Mspire VenturesPosition Credit ManagerProducts Home Loans Loan Against Property Secured Loan Location Bhavnagar GujaratSalary Up to xe2 x82 xb97 LPAExperience Required Minimum 5 years in the Credit DepartmentEducation Graduation is a mustKey Responsibilities Credit Assessment Analyze and evaluate the creditworthiness of potential borrowers for Home Loans and Loan Against Property Conduct detailed analysis of financial statements credit reports and other relevant documents Loan Underwriting Approve or reject loan applications based on credit guidelines and policies Ensure that loans comply with company standards and regulatory requirements Risk Management Identify potential risks associated with loan applications and recommend appropriate risk mitigation strategies Monitor loan performance to minimize default rates and ensure portfolio quality Documentation and Compliance Ensure all credit and loan documentation is complete accurate and complies with legal and regulatory requirements Maintain up-to-date records of all credit applications and approvals Coordination Work closely with sales operations and legal teams to facilitate smooth processing of loan applications and approvals Liaise with external agencies for verification and compliance checks Customer Interaction Engage with customers to understand their financial needs clarify queries related to credit assessments and provide necessary information about loan products and processes Reporting Prepare and present regular reports on credit assessments approvals and portfolio performance to senior management Analyze trends and recommend improvements to credit policies and procedures Training and Development Provide guidance and training to junior credit analysts and team members on credit assessment techniques company policies and industry best practices Key Skills Required Credit Analysis Strong analytical skills with the ability to assess the creditworthiness of borrowers effectively Attention to Detail High attention to detail to ensure accuracy in credit assessments and compliance with policies Risk Management Ability to identify and manage risks associated with loan applications Decision-Making Sound judgment and decision-making skills to approve or reject loan applications Communication Excellent communication and interpersonal skills to interact with customers internal teams and external agencies Knowledge of Regulations Good understanding of financial regulations and legal requirements related to secured loans Team Collaboration Ability to work collaboratively with sales operations and legal teams to achieve business goals Qualifications and Experience Education Graduation in any discipline is a must Experience Minimum of 5 years of experience in the Credit Department preferably in the NBFC or Banking sector with a focus on Home Loans and Loan Against Property Why Join Us Growth Opportunities Be a part of a growing NBFC with opportunities for career advancement Dynamic Environment Work in a dynamic and challenging environment that encourages learning and development Competitive Salary Attractive compensation package with incentives based on performance

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