Credit Manager - Housing Finance

Credit Manager-HF-HOUSING FINANCE-Credit

Credit Manager-Working Capital-Credit

Bangalore, Karnataka, India

JOB DESCRIPTION

Job Role :As part of Credit Team for Working Capital Finance • Managing team of Credit Managers • Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) • Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. • Visiting customers for personal discussions and  deal structuring  • Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained • To evaluate proposals of customers for Home Loans, Loan against Property • Decision making within defined TAT • Understanding of property related aspects (like legal title and market value of the property) is an added advantage • Coordinating with sales, operations, legal, technical and customer service       Job Requirements:   • Qualification- CA with relevant underwriting experience • Job Knowledge – o Technical underwriting experience o Analytical skills • Skills & Experience – o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

 

 

 

Location Credit Manager-SBE-Small Business Enterprise-Credit

Delhi, India

TRENDING

JOB DESCRIPTION

Role

Credit Appraisal

·         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

·         Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation

Stock on Hire: Increase in volume of business

·         Ensure that SOH increases(pl confirm if this applies to CM role )

NPA trend

·         Analyze the NPA trend like area, industry, sector etc.

·         Interact with Customers & understand the business and regularly monitor delinquencies / infants.

Infant loan which is less than 12 months NPA

·         Ensure qualitative portfolio

 

Experience Level

Mid Level