About This Role
This role involves managing the retail credit portfolio and underwriting mortgage businesses within an assigned branch or location. It suits a professional with strong credit assessment skills who can build client relationships and ensure adherence to lending policies.
Responsibilities
- Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
- Underwrite proposals as per the laid down policies and procedures to honor agreed SLAs and manage city/area business volumes
- Conduct personal discussion with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification, including telephonic, field, and collateral visits
- Assess income to obligation ratios, loan to value ratios, with in-depth knowledge of the rationale behind calculation of ratios and its impact on loan performance over long tenures
- Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same
- Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
- Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
- Exceed service quality standards and strive for continuous process improvement
- Undertake critical review of credit proposals with a view to bring out the industry, business, financial, management, and facility structure risk contained in the credit proposal
- Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal
- 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
- Undertake ongoing review of credit exposures to ensure that the exposure continues to be bankable
- Facilitate critical review and documentation of proposals and effectively monitor 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 and policies
- Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with local credit analysts and the sales team
- Follow up and ensure recovery of quick mortality cases
Requirements
- Qualification: Graduate, Masters/Post Graduate
- Certifications: CA/MBA (Preferable)
Important Details
- MOV: Qualification: Graduate, Masters / Post Graduate. Certifications: CA / MBA (Preferable)
