Credit Manager

Tata Capital Finance Ltd

Rajahmundry

Not disclosed

Work from Office

Full Time

Min. 1 Years

Job Details

Job Description

Manager - Retail Credit - Credit - Housing - EM - Rajahmundry - B Square - JM *Amalapuram*

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)  

More about this Credit Manager job

Tata Capital Finance Ltd is aggressively hiring for the job profile of Credit Manager at undefined in null locality. Kindly go through the FAQs below to get all answers related to the given job. 1. How much salary can I expect? Ans. You can expect a minimum salary of 0 INR. The salary offered will depend on your skills, experience and performance in the interview. 2. What is the eligibility criteria to apply for this job? Ans. The candidate should have completed undefined degree and people who have 1 to 31 years are eligible to apply for this job. You can apply for more jobs in undefined to get hired quickly. 3. Is there any specific skill required for this job? Ans. The candidate should have undefined skills and sound communication skills for this job. 4. Who can apply for this job? Ans. Both Male and Female candidates can apply for this job. 5. Is it a work from home job? Ans. No, it’s not a work from home job and can’t be done online. You can explore and apply for other work from home jobs in undefined at apna. 6. Are there any charges or deposits required while applying for the role or while joining? Ans. No work-related deposit needs to be made during your employment with the company. 7. How can I apply for this job? Ans. Go to the apna app and apply for this job. Click on the apply button and call HR directly to schedule your interview. 8. What is the last date to apply? Ans. The last date to apply for this job is . For more details, download apna app and find Full Time jobs in undefined. Through apna, you can find jobs in 74 cities across India. Join NOW!

Job Requirements

Experience

Min. 1 Years

Job Role

Department

Banking / Insurance / Financial Services

Employment Type

Full Time

Role / Category

Lending Operations

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