Retail Credit Manager

2 days ago

Surat, Gujarat, India beBeeCreditManagement Full time ₹ 1,04,000 - ₹ 1,30,878
About the Role

We are seeking an experienced Credit Manager to join our team in a Retail Credit role. This position will be responsible for underwriting mortgage business and managing the portfolio in assigned branches/locations.

Key Responsibilities:
  • Portfolio Management: Review and assess a broad range of complex loan applications within defined guidelines and take decisions or recommend approval to higher authorities.
  • Underwriting: Underwrite proposals as per laid down policies & procedure to honor agreed SLAs and manage city/area business volumes.
  • Credit Analysis: Conduct personal discussions with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
  • Risk Assessment: Assess income to obligation ratios, loan to value ratios, in-depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
  • MIS Reporting: Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
  • Client Relationships: Build and facilitate best outcomes for clients by building and leveraging effective relationships with third parties.
  • Problem-Solving: Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems.
  • Service Quality: Exceed service quality standards and strive for continuous process improvement.
  • Critical Review: 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.
  • Risk Mitigation: Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
  • Turnaround Time: Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
  • Ongoing Review: Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
  • Proposal Documentation: 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.
Requirements

To be successful in this role, you will need:

  • Industry Knowledge: In-depth knowledge of the retail credit industry and its trends.
  • Credit Analysis Skills: Strong credit analysis skills with ability to assess complex loan applications.
  • Communication Skills: Excellent communication and interpersonal skills with ability to build effective relationships with stakeholders.
  • Problem-Solving Skills: Strong problem-solving skills with ability to think critically and make informed decisions.
  • Technical Skills: Proficiency in MS Office and ability to learn new technologies quickly.
What We Offer

We offer a competitive salary and benefits package, including:

  • Opportunities for Growth: Opportunities for career growth and professional development.
  • Benefits Package: Comprehensive benefits package including health insurance, retirement plan, and paid time off.

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