Territory Portfolio Manager

Role description:

Responsible for credit assessment, processing, and sanctioning of home loans and other products at the branch level. This role involves leading a team of credit officers/underwriters, ensuring adherence to credit policies, risk management, and delivering high-quality credit decisions. The role will have sanctioning authority and be accountable for the branchs credit portfolio, working closely with sales, operations, and legal teams with key focus on maintaining the quality of the loan portfolio

Roles and responsibilities:

• Evaluation of home loan applications, ensuring compliance with credit policies, guidelines, and regulatory frameworks.
• Conduct thorough assessments of applicants' financial backgrounds, creditworthiness, income stability, and repayment capacity.
• Make independent credit decisions and sanction home loans within personal authority limits.
• Ensure robust documentation and rationale for all credit decisions made at the branch level.
• Lead, mentor, and manage a team of credit officers/underwriters at the branch.
• Monitor team performance, provide feedback, and ensure alignment with organizational goals Conduct training sessions for the team to enhance their credit assessment and risk management skills.
• Manage day-to-day operations of the credit team, ensuring efficiency and timely processing of applications.

Requirements:

• Strong knowledge of credit appraisal techniques, financial analysis, and credit risk management.
• Familiarity with property evaluation, mortgage documentation, and legal processes related to home loans.
• Strong communication skills, both written and verbal
• High level of integrity and attention to detail in a fast-paced environment.
• Proficiency in making sound, risk-based credit decisions within authority limits.

Locations: Salem, Kalyan, Boisar, Kanpur, Warangal, Virar, Vasai, Vellore, Jaipur,