State Head

21 hours ago

Vizianagaram, Andhra Pradesh, India Tata Capital Full time US$ 90,000 - US$ 1,20,000 per year
  • To underwrite mortgage business and manage the portfolio in assigned areaSupport and co-partner with business teams to manage end to end credit approval for the designated region3 Underwrite salaried SENP/SEP for retail and high value cases and present to senior level4 Authorize deviations raised and documented by underwriters in compliance with credit policy
  • Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentationrequests
  • Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentationattainment at the branch level
  • Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in highvalue cases
  • Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submissionand eliminate any undue/ non-process related delays
  • Co-ordinate with the recoveries team and generate business insights
  • Lead a team of credit approvers to ensure portfolio quality and delinquencies
  • Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching tocontinuously upgrade the competency of the team and improving upon processing efficiency of the HUB
  • Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan
  • Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy