Job Description Ensure efficient and fastidious decisions on loan applications sourced by sales team across India
Post Graduate / Graduate in any discipline
o Review and assess a broad range of loan applications within defined guidelines and accordingly facilitate decision while ensuring adherence to the prescribed policy
o 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.
o Maintain portfolio MIS, delinquency MIS and other operations related MIS of the cluster and regularly report the same.
o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
o Enable quick turnaround of credit lending proposals for the retail loan product in close liaison with the sales team
o Provide support to branches in achieving business targets through timely decisions and ensure the quality of underwriting is maintained with healthy accept ratio.
o Optimize the productivity of the team and ensure it is maintained as per the standards set, providing regular trainings to the team on the updates of the policy changes.
o Ensure the improvement in quality of files inward by the branch with regular guidance and provide support to branches in achieving business targets