Credit Manager - Business Loans - Baroda - Pancham Highstreet - JM at Tata Capital

Vadodara, gujarat, India -

Full Time

Start Date

Immediate

Expiry Date

22 Dec, 25

Salary

0.0

Posted On

23 Sep, 25

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Underwriting, Loan Assessment, KYC Documentation, Client Relationship Management, Risk Mitigation, Portfolio Management, Credit Proposal Review, Income Assessment, Service Quality Improvement, Collaboration with Sales Team, MIS Reporting, Problem Solving, Credit Risk Analysis, Documentation Compliance, Customer Interaction, Financial Analysis

Industry

Financial Services

Description

10326 To underwrite and manage the portfolio in assigned branch/location 1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. 2. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. 3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. 4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. 5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. 6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties 7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems 8. Exceed service quality standards and strive for continuous process improvement 9. 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. 10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. 11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team. 12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. 13. 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 14. 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. Post Graduate/ Graduate in any discipline

Responsibilities

The Credit Manager is responsible for underwriting and managing the loan portfolio at the assigned branch, reviewing complex loan applications, and ensuring compliance with credit policies. They will also conduct customer discussions to assess creditworthiness and maintain various management information systems (MIS).