Credit Manager – Mortgage Loans
2 weeks ago
- 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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