Credit Manager
2 days ago
Note: Kindly apply only if you have the following:
- Physical PD (Personal Discussion) experience
- Mandatory exposure in Home Loan, Prime Housing Segment , LAP, Mortgage
- Experience in handling ticket size less than 50 Lakhs with ROI of 9-14%
- Based in Mumbai and available for face-to-face interview
Comfortable with 5-day working (Alternate Saturdays working)
Department: Credit
Location: Mumbai
Employment Type: Fulltime
Roles & Responsibilities
• Assessment of borrowers profiles, repayment capacity and income stability.
• Visiting business premise, property and residence of customer atthe time of PD
• Understanding of actual business income & expenses (other than reported income) of customer
• Ability to understand customer business and requirement from their perspective
• Understanding credit worthiness of customer along with intention to repay the loan by analysis
of all documents, observation & findings of PD
• Study, analysis and interpretation of legal & technical reports of property
• Study, analysis and interpretation of other internal check reports
• Underwriting and sanction of Home loan/loan against property files sourced by sales team
• Revert on post sanction conditions prior to disbursement based on queries raised by the team
• Recommendation of case to supervisors for seeking necessary decision based on deviation/
approval matrix
• Co-ordinate and communicate with different departments
• Maintaining TAT as per guidelines and taking case to decision point
• Adherence to the policy/ process laid out by the Central team on all loan applications being
processed
• Close monitoring on non-starters/first EMI bounce trends
• Maintaining and reporting of various MIS to monitor portfolio performance and risk
• Continuously improvise underwriting capability based on portfolio performance
Key Skills / Requirements
• Graduate with 3 - 5 years' experience.
• Strong knowledge of Prime home segment
Benefits
• Competitive salary packages and bonuses.
• Mediclaim plans for you and your dependents
• Access to educational resources for self-improvement – technical and non-technical
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