Credit Manager

4 weeks ago

Gorakhpur, India Staffiaa Services Full time

Job Description:

Position:Credit Manager

(Home Loan and LAP)

Location: Gorakhpur

CTC: Upto 8 LAP

Responsibilities:

  • CreditAssessment: Evaluate creditworthiness of home loanand LAP applicants based on financial documents credit history andrisk analysis.

  • Underwriting: Review loanapplications ensuring compliance with lending policies regulatoryrequirements and internal guidelines.

  • Decision Making:Make informed decisions on loan approvals rejections ormodifications considering factors such as applicant'sincome debttoincome ratio collateral and credit score.

  • RiskManagement: Identify potential risks associated withloan applications and develop strategies to mitigate them ensuringa balanced loan portfolio.

  • Client Communication:Communicate credit decisions to applicants and provide explanationsfor denials or requests for additional information.

  • Collaboration: Work closelywith sales operations and legal teams to streamline the loanapproval process and resolve any issues that may arise.

  • PolicyDevelopment: Contribute to the development andrefinement of lending policies procedures and credit scoring modelsto enhance efficiency and risk management.

Qualifications:

  • Bachelor's degree in financeaccounting or related field. Master's degreepreferred.
  • Proven experience in creditassessment and underwriting specifically in the home loan and LAPsegment.
  • Strong understanding of lendingprinciples credit analysis techniques and regulatoryrequirements.
  • Excellent analytical skills withthe ability to interpret complex financial data and make sounddecisions.
  • Effective communication andnegotiation skills with the ability to interact confidently withclients and internal stakeholders.
  • Attentionto detail and ability to work efficiently in a fastpacedenvironment.
  • Knowledge of industryspecificsoftware and tools used for credit analysis andunderwriting.

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