Credit Manager

5 days ago

Dehra Dūn, Uttarakhand, India Dreams Solution Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Designation: Credit Manager

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.

Required Candidate profile

  • 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.

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