Credit Manager - Personal Loans

Key Objective of the Job: To underwrite and manage the portfolio in assigned branch/location

Educational Qualification: Post Graduate/ Graduate in any discipline

Major Deliverables:

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Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.

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Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.

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Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.

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Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.

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Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.

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Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties

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Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems

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Exceed service quality standards and strive for continuous process improvement

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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.

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Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.

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Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.

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Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.

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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

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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.