Branch Credit

4 days ago

New Delhi, India DMI Housing Finance Full time

Job Reference id: H00009
- 1. Daily planning and review of WIP (Work in progress) cases.
- Oversee the underwriting of the loans in the branch.
- Review the underwriting process at branch level and define process as per available resources at branch requirements.
- Monitor loan accounts, checking of loan documents and supervising timely preparation of MIS and reporting to higher authorities
- Approving / taking approvals for the deviations as per process and implementing TAT in Credit approvals

2. Review Portfolio Quality and control delinquency
- Controlling & keep tracking of all buckets deliquesces of the branch with coordination of collection team
- Direct follow up on early vintage cases to ensure timely collections of pre-EMI and EMI from customers.

3. Cross Function Management
- Work in tandem with operations colleague for smooth disbursement of files
- Maintain weekly follow up on OTC for handover of disbursement cheque to customer within TAT
- Fulfilling the credit training needs of the entire business team on a continued & timely basis
- Maintain timely follow up on PDD to ensure zero error after loan disbursement

4. PD and underwriting of cases.
- Process credit decisioning of HL/LAP case based on credit policy.
- Ensures field customer visits for PD with customers to understand employment, business, cash flows, regular and routine expenses, existing loan obligation and its detail and purpose of loan
- Maintain TAT of cases logged in for processing

Required Skill
- 2+ years of experience across banks and HFCs
- Experience across products in the HL/LAP lending space
- Cross Functional Experience
- Flexibility
- Strong observation skills
- Team Management
- Analytical Skills

Educational Qualification

MBA (Finance) / Postgraduate

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