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Area Credit Manager - Secured Business Loans (Micro LAP) - Ahmedabad - Isco at Tata Capital

, gujarat, India -

Full Time

Start Date

Immediate

Expiry Date

25 Jun, 26

Salary

0.0

Posted On

27 Mar, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Appraisal, Underwriting, Loan Underwriting, Mortgage Lending, Risk Awareness, Cash Flow Analysis, Personal Discussions, Delinquency Management, Vendor Management, Cost Management, PDD Management, MIS Reporting, Communication, Report Writing, Banking Knowledge

Industry

Financial Services

Description

Credit Appraisal - Underwriting/recommending of proposals for non-collateral/collateral backed education loan. Understanding process and policies and implementing the same to ensure smooth transactions Provide training to CPAs/CPC so that they work in synergy with the companies policies and norms Delinquency Management for the location Vendor / Cost management managing the outsource agencies and ensure TAT is maintained by these agencies. PDD Management- controlling and tracking PDDs through proper MIS for the location Basic knowledge of loan underwriting Knowledge of Mortgage Lending Business- awareness on risk involved wrt to title of property Should be able to conduct personal discussions with clients ( self employed) independently and arrive at cash flow analysis. Good communication and report writing skills Basic knowledge of Banking

Responsibilities

The role involves credit appraisal and underwriting for secured and non-collateral business loans, ensuring compliance with company policies and smooth transaction processing. Key duties also include managing delinquency, overseeing vendors, and tracking PDDs using MIS for the assigned location.