Credit Manager - Secured Lending
Visualizza: 111
Giorno di aggiornamento: 06-05-2024
Località: Patna Bihar Guwahati Assam Ludhiana Punjab Kolkata West Bengal Bhopal Madhya Pradesh Jaipur Rajasthan Karnal Haryana Bhubaneshwar Odisha
Categoria: Finanza / Banca / Azione Assicurazione
Industria: NBFC
Posizione: Underwriter
Tipo di lavoro: Full Time, Permanent
Stipendio: ₹ 6,00,000 - 7,00,000 P.A.
Esperienza: 4 - 9 years
Contenuto del lavoro
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.
Scadenza: 20-06-2024
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