Branch Credit Manager

7 days ago

Coimbatore Erode Sivakasi, India Sundaram Home Finance Limited (SHFL) Full time ₹ 6,00,000 - ₹ 10,00,000 per year

Role & responsibilities

  • Understanding of credit policy and process thoroughly including the products available.
  • Completing the loan application process from login to disbursement by collecting all the required documents.
  • Scrutinizing the documents shared by the customer to check the eligibility and for accuracy/genuineness of the documents to consider the application for loan eligibility.
  • Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
  • Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training.
  • Conduct personal discussion with customers to establish Credit worthiness.
  • Use performance history along with financial analysis, liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation.
  • Interact with Customers & understand the business and regularly monitor delinquencies.
  • Decision making within defined TAT.
  • Understanding of property/collateral related knowledge (like legal title and market value of the property)
  • Credit underwriting on the customer to make sure that customer fits into various lending parameters.
  • Identifying strengths and risks for any proposal and prepare a SWOT analysis around it.
  • Regularly interacting with the FI agency, Legal, Technical team, RCU team for timely reports.
  • Coordinating with Operations team for disbursement.
  • Handling audit queries and providing clarifications.

Preferred candidate profile

3+ years of experience in underwriting home loan/non home loan/construction finance products/NBFC or Banking Industries / related companies.

(Experienced in Prime Products & High Ticket Volumes credit underwriting)

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