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Branch Credit Manager
2 weeks ago
This role is for one of the Weekday's clients
Min Experience: 3 years
Location: Vadodara
JobType: full-time
We are seeking a dynamic and result-oriented Branch Credit Manager with 3–6 years of experience in evaluating and managing credit for Home Loans, Mortgage Loans, and Loan Against Property (LAP). This role involves working closely with the sales and risk teams to ensure timely and sound credit decisions, contributing directly to the growth and profitability of the branch.
Requirements
Key Responsibilities:
- Assess creditworthiness of prospective customers applying for Home Loans, Mortgage Loans, and Loans Against Property.
- Conduct in-depth analysis of customer profiles including financial documents, income statements, property documents, and credit reports.
- Sanction loans within delegated authority limits and recommend proposals to higher authority for approval.
- Ensure strict adherence to internal credit policies and regulatory guidelines.
- Interact with customers, sales team, legal, and technical vendors to ensure completeness and authenticity of loan applications.
- Identify potential risks and suggest appropriate mitigants to safeguard company interests.
- Collaborate with legal and technical teams to validate property documents, valuations, and title clearance.
- Maintain high-quality credit portfolio by taking proactive actions on irregular accounts.
- Monitor disbursement process and post-disbursement documentation to ensure compliance.
- Support the collections team for early warning signs on default risks.
- Prepare credit appraisal memos with clear justifications for decisions, ensuring transparency and accountability.
- Regularly update credit MIS reports and dashboards for review with senior management.
Key Skills & Competencies:
- Strong understanding of Home Loan, Mortgage Loan, and LAP products.
- Proficient in financial analysis, risk assessment, and credit evaluation techniques.
- Sound knowledge of lending norms, credit policies, and RBI regulations.
- Hands-on experience in handling property-related legal and technical due diligence.
- High attention to detail with a strong sense of accountability and integrity.
- Proficient in using credit appraisal tools, MS Excel, and loan management systems.
- Strong interpersonal and communication skills to engage effectively with customers and internal stakeholders.
- Ability to work under pressure and manage multiple cases simultaneously within tight timelines.
Qualifications:
- Graduate/Postgraduate in Finance, Commerce, or related field.
- MBA (Finance) or CA Inter will be an added advantage.
Preferred Experience:
- Prior experience in NBFCs/Banks/Housing Finance Companies in a similar credit role.
- Experience in working with Tier 1 and Tier 2 cities will be considered beneficial.
