Cluster Manager - Credit Underwriting

☞ Array Management Consultants

전망: 101

갱신일: 03-06-2024

위치: Shimoga Karnataka

범주: 다른

산업: Banking

수평: Mid-Senior level

직업 종류: Full-time

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작업 내용

Cluster Manager - Credit Underwriting

#urgenthiring #urgentopening

Designation : Cluster Credit Manager

Location : Shimoga/Shivamogga

Job Description :

Key Responsibilities:

•Responsible for upholding the brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions

•Handle oversight & review of credit underwriting of Housing finance in the mapped cluster.

•Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level

•Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch

•Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy

•Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment

•Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix

•Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines

•Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets

•Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company’s rules and regulations.

•Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight.

•Assess the training and development needs of the team and continuously improve underwriting capability

Qualification:

•Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any

•Knowledge of local markets and trends in retail lending

•Deep experience & understanding of retail financial services across NBFCs, banking

•Ability to liaison & follow-up with external and internal stakeholders

•Understanding of CIBIL and other checks required to validate customer’s credibility

#Credit #creditunderwriting #creditappraisal #sanction #sanctioningauthority #mortgageunderwriting #homeloans #homefinance #housingloans #housingfinance #lap #loanagainstproperty #mortgage #mortgageloans #HL #nbfc #banking #ca #mba #Karnatakajobs #shimoga #Shivamogga #shimogajobs #mysore #Creditmanager #clustercreditmanager #branchcreditmanager #areacreditmanager

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마감 시간: 18-07-2024

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