Credit Officer

1 week ago

Gurgaon, India Savy consultancy services Full time

**Designation:CreditManager**

**Roles and Responsibilities**:

- Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility of hubs and service centers
- Customer Interaction to understand needs, finds solutions within the product range available.
- Calculation of Net Present Values of maturing assets using excel sheets or programs.
- Knowledge of basic legal documentation involved in an acquisition of a home.
- Knowledge of technical fundamentals involved in an acquisition of a home.
- Cash flow method of assessment of NRI Loans, Ability to assess a Self Employed Loan
- Supervision and performance management of all team members

**Supervision of all the activities done by Non-Sales Staff / coordinators**:

- **Sanctioning**: - File processing by coordinator within the time, Customer Calling, Query resolving, File login at HDFC, Faster Sanction, keeping a check on TAT for Login & Sanction., Checking the Quality of Calls to Customers & Processing by coordinators.
- **Disbursement**: - Customer calling after Sanction of Case, Disbursement Follow-up with Customer & Sales force, and Technical Updation for Disbursement, Resolving Legal Queries, and Fixing of Disbursement, Keeping a Check on TAT of Legal Updation, Technical Updation, and Disbursement Fixing.
- **Project Approval** Creation of Property No, Query Resolving, Builder Appointment, Project Approval, Keeping a Check on TAT of Project Approval.
- **LMS **Timely Updation of Leads into LMS, Proper Follow-up on the next scheduled action date, Auditing of Leads, feedback & status.
- Must be an MBA or CA (finance or banking background preferred)
- Should have risk assessment skills along with vast experience in the field of underwriting
- Hands on experience in self-employed assessment.
- Must have minimum 2 - 3 years of team handling experience
- In depth understanding from sourcing to disbursement.
- Effective communication skills (verbal & written)
- At least 4 years of experience in the credit assessment field from home loan industry
- Solution orientation and ability to work under strict deadlines
- Should be willing to travel on a needed basis.

**Benefits**:

- Provident Fund

**Speak with the employer**
+91 8448356783

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