Associate Director - Sales - Loan Against Property (7-18 yrs)

Key Responsibilities:

Credit Assessment:

- Evaluate loan applications for LAP by analyzing financial statements, credit reports, property valuations, and other relevant data.

- Conduct thorough due diligence to assess the creditworthiness of applicants.

- Make informed decisions on loan approvals, rejections, and terms of sanction.

Risk Management:

- Ensure adherence to credit policies and guidelines.

- Monitor portfolio performance and take corrective actions when necessary.

Documentation and Compliance:

- Ensure all loan documentation is complete and compliant with regulatory and company standards.

- Maintain accurate and up-to-date records of all credit transactions.

- Ensure compliance with relevant laws, regulations, and company policies.

Collaboration:

- Work closely with the sales team to understand client needs and provide suitable credit solutions.

- Coordinate with the underwriting and risk management teams to ensure effective credit decision-making.

- Provide training and guidance to junior credit analysts and other team members.

Reporting:

- Prepare and present regular reports on loan portfolio performance, credit risk, and other relevant metrics to senior management.

- Analyze trends and provide insights to support strategic decision-making.

Qualifications:

Education:

- Bachelor's degree in Finance, Accounting, Business Administration, or a related field. A Master's degree or professional certification (e.g., CFA, CPA) is a plus.

Experience:

- Minimum of 7 years of experience in credit management, preferably in the LAP sector.

- Strong understanding of credit risk assessment, financial analysis, and property valuation.

Skills:

- Excellent analytical and decision-making skills.

- Strong attention to detail and accuracy.

- Proficiency in financial analysis software and credit evaluation tools.

-Good communication and interpersonal skills.

- Ability to work under pressure and meet deadlines.

Key Competencies:

- Risk Management

- Analytical Thinking

- Attention to Detail

- Decision Making

- Financial Acumen

- Compliance and Regulatory Knowledge

- Team Collaboration