Credit Manager – Mortgage Loans

1 week ago


Sambalpur Orissa, India JANA SMALL FINANCE BANK Full time ₹ 4,00,000 - ₹ 12,00,000 per year
  • Evaluate and appraise Home Loan / LAP credit proposals as per policy and risk parameters.
  • Conduct detailed financial, business, and personal profile analysis of applicants.
  • Assess repayment capacity, verify property documentation, and ensure compliance with legal and regulatory norms.
  • Coordinate with sales, legal, and technical teams for accurate risk evaluation.
  • Maintain portfolio quality by ensuring timely approvals and monitoring of credit limits.
  • Recommend deviations, if any, with adequate justification and manage exceptions within policy framework.
  • Ensure TAT adherence and efficient processing of loan proposals.
  • Support audit and risk review processes with proper documentation and control.

Candidate Profile:

  • Experience: Minimum 3 years in Mortgage / Home Loan / LAP credit management.
  • Education: Graduate / Post-Graduate (preferably in Finance, Commerce, or related fields)..
  • Technical Knowledge: Strong understanding of credit analysis, income assessment, and property evaluation.
  • Soft Skills: Excellent analytical, communication, and decision-making abilities.
  • Preferred Location Experience: Candidates from or willing to work in Sambalpur / Balangir region.

Job Type: Full-time

Pay: Up to ₹850,000.00 per year

Benefits:

  • Provident Fund

Application Question(s):

  • Are you local to the location?
  • Do you have relevant years of experience?

Education:

  • Bachelor's (Preferred)

Experience:

  • Mortgage / Home Loan / LAP credit: 3 years (Preferred)

Work Location: In person



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