Credit Manager - Home Loans
Tata Capital Limited
Bareilly, Uttar Pradesh, Indien
2d ago
source : JobLeads

To underwrite mortgage business and manage the portfolio in assigned branch / location. Responsible for handling team : Yes.

Roles reporting into this role(Direct / Indirect) : . Credit Officer HL / HE / AHF Contact or Interaction with : . 1) Customers.

2) Internal sales teams. 3)Channel Partners. 4) Builders Travel Required : Yes. Position Type : Full time. Process Owner : .

1) Credit. Receives inputs from : Area Credit Manager HL / HE / AHF. Process owner : Credit. Provides Input to : Credit Officer- HL / HE / AHF.

Job Description 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 chall

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