Credit Manager

1 week ago

Chennai, Tamil Nadu, India Huntsmen and Barons Full time ₹ 10,00,000 - ₹ 17,00,000 per year

Key Responsibilities:

  • Credit Appraisal: Conduct thorough credit appraisals and due diligence for high-value LAP loan applications, including financial analysis, property valuation verification, and client risk profiling.
  • Risk Assessment: Analyze credit risks associated with large-ticket LAP proposals, including assessment of repayment capacity, collateral adequacy, and market conditions.
  • Documentation & Compliance: Ensure all loan documentation is complete, accurate, and compliant with regulatory guidelines and internal policies.
  • Sanctioning Authority: Make credit decisions within delegated authority limits, and prepare detailed credit proposals for higher approvals.
  • Portfolio Monitoring: Monitor existing LAP accounts, track repayments, identify early warning signals of default, and initiate recovery processes if necessary.
  • Collaboration: Work closely with sales, legal, valuation, and recovery teams to streamline the loan sanctioning process and resolve any issues.
  • Reporting: Prepare and present regular credit risk reports and MIS for senior management review.
  • Process Improvement: Recommend and implement process enhancements to improve efficiency, risk management, and customer experience.

Requirement:

  • Qualified CA (Chartered Accountant) 5-10 years of experience in credit appraisal and underwriting Proven expertise in handling High-Ticket LAP (Loan Against Property) Exposure to ticket sizes of ₹1 Cr and above

Job Type: Full-time

Pay: ₹1,000, ₹1,700,000.00 per year

Work Location: In person

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