Dy. Manager/ Manager- Credit ( Secured Lending )

View: 111

Update day: 06-05-2024

Location: Jaipur Rajasthan Guwahati Assam Ludhiana Punjab Kolkata West Bengal Bhopal Madhya Pradesh Patna Bihar Karnal Haryana

Category: Finance / Bank / Stock Insurance

Industry: Financial Services

Position: Credit Manager-Corporate Banking

Job type: Full Time, Permanent

Experience: 4 - 7 years

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Job content

Roles and Responsibilities

Expert knowledge of assessing credit risk for Secured Loan by applying Deposit of Title Documents and Registration of Mortgage guidelines.
Conduct income appraisal of salaried and self-employed borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers.
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.
Provide Market intelligence from a competition and customer stand point
Recommendations on new processes & fraud Control initiative etc.
Manage Credit Officers team.

Desired Candidate Profile

Preferred experience of 5 years or more in Credit LAP/Mortgage Loans/MSME Loans Loan products.
Expert knowledge of customer segments in various markets of India and their
performance histories.
Complete understanding of various collateral types of all regions and cities in India and
their title documentation requirements for creation of equitable mortgage.
Knowledge of property valuation process through vendors and knowledge & keen
interest in monitoring current property price / historical property prices.
Guide/Monitor Credit Officers of the Branch/ Hub.
Ensure timely training to branches Assigned.
Suggest Policy revisions in line with changing market conditions.

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