Credit Manager - Loan Against Property - SaRaL - Agra - Rajendra Point - JM at Tata Capital

Agra, Uttar Pradesh, India -

Full Time

Start Date

Immediate

Expiry Date

17 Sep, 26

Salary

0.0

Posted On

19 Jun, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Underwriting, Portfolio Management, Risk Assessment, KYC Verification, Financial Analysis, Collateral Evaluation, Credit Risk Mitigation, MIS Reporting, Loan Against Property, Income To Obligation Ratio Analysis

Industry

Financial Services

Description

To underwrite and manage the portfolio in assigned branch/location 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. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting 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 the 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 business in close liaison with the sales team. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. 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 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. Educational Qualification: Post Graduate/ Graduate in any discipline

Responsibilities

Underwrite and manage the loan portfolio for the assigned branch, ensuring adherence to credit policies and SLAs. Conduct customer discussions and collateral visits to assess creditworthiness and mitigate risk.