
Business Credit Portfolio Manager
2 days ago
We are seeking a seasoned professional to join our team as a Credit Portfolio Manager.
Key Responsibilities:- Review and assess complex loan applications within defined guidelines, taking informed decisions or recommending approval to higher authorities.
- Underwrite proposals in accordance with laid-down policies & procedures, ensuring adherence to agreed SLAs and managing business volumes effectively.
- Conduct personal discussions with customers to establish credit worthiness, complete credit/KYC documents, and verify information through telephonic, field, and collateral visits.
- Evaluate income to obligation ratios, loan to value ratios, and gain in-depth knowledge of the rationale behind these calculations and their impact on loan performance over long tenures.
- Maintain accurate Portfolio MIS, Delinquency MIS, and other operations-related MIS for the cluster, reporting regularly.
- BUILD AND FACILITATE EFFECTIVE RELATIONSHIPS WITH THIRD PARTIES TO ACHIEVE 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.
- Critically review credit proposals to identify industry, business, financial, management, and facility structure risks.
- Ensure collateral and other credit risk mitigation to facilitate approving authority decisions.
- Enable quick turnaround times for credit lending proposals, encompassing loan against property and home loan business, in close liaison with sales teams.
- Undertake ongoing reviews of credit exposures to ensure they remain bankable.
- Facilitate critical review and documentation of proposals, monitor client & collateral creditworthiness from pre-sanction to post-disbursement phases, and undertake steps for risk mitigation as required, adhering to legal & documentation norms & policies.
- Manage the credit underwriting function of the branch, facilitating quick turnaround of credit lending proposals in close liaison with local credit analysts and sales teams.
- Follow up and ensure recovery of quick mortality cases between MOV.
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