Credit Manager

Tata Capital Finance Ltd

Guwahati

Not disclosed

Work from Office

Full Time

Min. 1 Years

Job Details

Job Description

Manager - Retail Credit - Credit - Housing - EM - Guwahati - Royal Arcade - JM

10795

·          To underwrite mortgage business and manage the portfolio in assigned branch/location

 

    Core Responsibilities:

o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. 

o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.

o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.

o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.

o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.

o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties

o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems

o Exceed service quality standards and strive for continuous process improvement

o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.

o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.

o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.

o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.

o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies

o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.

 

Qualification: Graduate, Masters/Post Graduate

Certifications: CA/MBA (Preferable)  

Job role

Work location

Guwahati, Guwahati - Royal Arcade, Royal Arcade, 3rd Floor, B.Baruah Road, Guwahati, Guwahati, Assam, India

Department

Banking / Insurance / Financial Services

Role / Category

Lending Operations

Employment type

Full Time

Shift

Day Shift

Job requirements

Experience

Min. 1 year

About company

Name

Tata Capital Finance Ltd

Job posted by Tata Capital Finance Ltd

This job has expired

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