Business Development Manager

4 days ago

Rajkot, Gujarat, India beBeeCreditRiskManager Full time ₹ 1,04,000 - ₹ 1,30,878

Job Title: Branch Credit Manager

Are you a seasoned financial professional looking for a new challenge? Do you have a passion for risk management and credit analysis?

Job Description:

The Branch Credit Manager will be responsible for underwriting mortgage business and managing the portfolio in assigned branch/location. This role requires strong analytical skills, excellent communication abilities, and the ability to work independently with minimal supervision.

  • Key Responsibilities:
  • Review and assess a broad range of complex loan applications within defined guidelines and make recommendations for approval or denial.
  • Underwrite proposals as per the laid down policies & procedure to honor agreed Service Level Agreements (SLAs) and manage city/area business volumes.
  • Conduct personal discussions with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
  • Assess income to obligation ratios, loan to value ratios, and maintain in-depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
  • Maintain Portfolio Management Information System (MIS), Delinquency MIS, and other operations related MIS of the cluster and regularly report the same.
  • Build and facilitate effective relationships with third parties to deliver best outcomes for clients.
  • Take ownership of client queries and utilize industry knowledge and experience to overcome challenges and solve problems.
  • Exceed service quality standards and strive for continuous process improvement.
  • Undertake critical reviews of credit proposals to identify potential risks and develop mitigation strategies.
  • Ensure collateral and other credit risk mitigation measures are in place to facilitate approving authority decision-making.
  • Enable quick turnaround time of credit lending proposals for mortgage business comprising loan against property, and home loan business in close liaison with sales teams.
  • Undertake ongoing review of credit exposures to ensure they remain bankable.
  • Facilitate critical reviews and documentation of proposals and monitor client & collateral creditworthiness from 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 local credit analysts and sales teams.
Requirements:

Applicants should possess:

  • A degree in finance, economics, or a related field.
  • Minimum 5 years of experience in credit analysis and underwriting.
  • Strong knowledge of risk management principles and practices.
  • Excellent communication and interpersonal skills.
  • Ability to analyze complex data and make informed decisions.

Benefits include competitive salary, comprehensive benefits package, and opportunities for professional growth and development.

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