Branch Credit Manager - Home Loans

Aussicht: 116

Update Tag: 06-05-2024

Ort: Kota Rajasthan Rajahmundry Andhra Pradesh Karimnagar Telangana Mehsana Gujrat Warangal Davangere Karnataka Jamnagar Tirunelveli Tamil Nadu Vellore

Kategorie: Finanzen / Bank / Aktien Versicherung

Industrie: Accounting Auditing

Position: Sales/Business Development-Manager

Jobtyp: Full Time, Permanent

Erfahrung: 5 - 7 years

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Jobinhalt

RESPONSIBILITIES & TASKS:

Assist the Credit Head in defining and developing the credit policy for the Affordable Home Loans product with adherence to compliance, market practices and in consultation with the Central Credit team
Credit appraisal of applications within defined guidelines and TATs. Take credit decision or recommend case for approval to higher authorities
Train underwriting / sales (in-house and outsourced) team to ensure high quality credit appraisal of loan proposals within the agreed TAT
To interact closely with other functions such as Sales / Operations / Collections / Compliance / Legal / Policy etc. in ensuring smooth day to day functioning
Analysis of regular bouncing customers to identify the lead indicators of portfolio stress and provide suitable inputs to the Senior Management team to fine tune the credit policy
Responsible for successful conduct of internal and regulatory audits on the portfolio

CORE SKILLS & EXPERIENCE REQUIREMENTS:

Understanding of the Home Loans lending space, customer preferences in local real estate markets
Analytical & Quantitative skills - Has the ability to assemble, analyze and evaluate data to help assess risk and make appropriate and well-reasoned recommendations
Understanding and hands-on experience of executing lending related documentation such as loan agreement, security documents, KYC etc
Relates well with clients at appropriate levels and establishes good working relationships where appropriate

PERSONAL CHARACTERISTICS:

Communication Skills - Organizes thoughts logically and articulates them clearly and concisely
Drive for results/ business acumen focus
Displays ability to think out of the box. Solution provider

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