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Tata Capital

Compare

4.1

based on 2.6k Reviews

Video summary

905 Tata Capital Jobs

Manager - Retail Credit - Credit - Housing

Tata Capital Ltd

4.1

based on 2.6k Reviews

4-8 years

Lucknow

1 vacancy

Manager - Retail Credit - Credit - Housing

Tata Capital

posted 18hr ago

Job Role Insights

Flexible timing

Key skills for the job

Software Configuration Management Salesforce Biochemistry US Mortgage Credit Underwriting Credit Risk Modelling

+ 4 more

Job Description

To underwrite mortgage business and manage the portfolio in assigned branch/location

Core Responsibilities:

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

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

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

o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.

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

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

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

o Exceed service quality standards and strive for continuous process improvement

o 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.

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

o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.

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

o 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

o 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.

o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.

Qualification : Graduate, Masters/Post Graduate

Certifications : CA/MBA (Preferable)

Employment Type: Full Time, Permanent

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What people at Tata Capital are saying

What Tata Capital employees are saying about work life

based on 2.6k employees

58%

50%

98%

Flexible timing

Monday to Saturday

Within city

Day Shift

View more insights

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