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Manager - Retail Credit - Credit - Housing - EM - Jalandhar - Shanti Tower - JM*Jammu*
.To underwrite mortgage business and manage the portfolio in assigned branch/location
oReview and assess a broad range of complexloan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
oUnder write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
oConduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
oAssess 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.
oMaintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
oBuild and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
oTake ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
oExceed service quality standards and strive for continuous process improvement
oUndertake 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.
oEnsure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
oEnable 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.
oUndertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
oFacilitate 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
oManage 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.
oFollow up and ensure recovery of quick mortality cases between 12 -18 MOV.
Qualification: Graduate, Masters/Post Graduate
Certifications: CA/MBA (Preferable)