Credit Manager - Secured Lending
Ver: 111
Día de actualización: 06-05-2024
Ubicación: Patna Bihar Guwahati Assam Ludhiana Punjab Kolkata West Bengal Bhopal Madhya Pradesh Jaipur Rajasthan Karnal Haryana Bhubaneshwar Odisha
Categoría: Finanzas / Banco / Acciones Seguros
Industria: NBFC
Posición: Underwriter
Tipo de empleo: Full Time, Permanent
Salario: ₹ 6,00,000 - 7,00,000 P.A.
Experiencia: 4 - 9 years
Contenido de trabajo
1. JOB SUMMARY
- 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
2. PRIMARY RESPONSIBILITIES
Credit Management Policy & Processes
- Ensure Credit policy and process adherence in the Branch / Hub .
- Co-ordinate with Legal & Technical Agencies.
- Guide/Monitor Credit Officers of the Branch/ Hub.
- Ensure timely training to branches Assigned
- Suggest Policy revisions in line with changing market conditions.
Underwriting
- Expert knowledge of customer segments in various markets of India and their
performance histories. - Expert knowledge of negative profiles, negative property types and negative property
locations - 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.
3. ROLE REQUIREMENTS
Desired Qualification
Commerce Graduate/ MBA from a reputed college.
Desired Experience
5 years of experience in Credit LAP/Mortgage Loans/MSME Loans Loan products.
Plazo: 20-06-2024
Haga clic para postularse como candidato gratuito
Reporte trabajo
TRABAJOS SIMILARES
-
⏰ 14-06-2024🌏 Jabalpur, Madhya Pradesh
-
⏰ 26-06-2024🌏 Bhopal, Madhya Pradesh
-
⏰ 20-06-2024🌏 Ambala, Haryana
-
⏰ 30-06-2024🌏 Ambala, Haryana
-
⏰ 26-06-2024🌏 Gurgaon, Haryana
-
⏰ 28-06-2024🌏 Jaipur, Rajasthan
-
⏰ 14-06-2024🌏 Kolkata, West Bengal
-
⏰ 26-06-2024🌏 Kolkata, West Bengal
-
⏰ 28-06-2024🌏 Jaipur, Rajasthan
-
⏰ 20-06-2024🌏 Ludhiana, Punjab