Manager - Retail Credit - Credit - Housing - EM - Bhopal - MP Nagar - JM
Tata Capital
Bhopal, India
1m ago

Job Description

  • To underwrite mortgage business and manage the portfolio in assigned branch / location
  • Core Responsibilities :

    o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.

    o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city / area business volumes.

    o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit / KYC documents and verification- telephonic, field & collateral visits.

    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 reporting the same.

    o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties

    o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems

    o Exceed service quality standards and strive for continuous process improvement

    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 time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.

    o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.

    o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies

    o Manage the credit underwriting function of his / her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

    o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.

    Qualification : Graduate, Masters / Post Graduate

    Certifications : CA / MBA (Preferable)

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