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734 Tata Capital Jobs

Credit Manager - Business Loan

1-3 years

Nellore

1 vacancy

Credit Manager - Business Loan

Tata Capital

posted 3d ago

Job Description

To underwrite and manage the portfolio in assigned branch/location


  • 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.

    Post Graduate/ Graduate in any discipline


  • Employment Type: Full Time, Permanent

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    What people at Tata Capital are saying

    3.8
     Rating based on 74 Credit Manager reviews

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    I feel secure in this company, both my job and future.

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    Read 74 reviews

    Credit Manager salary at Tata Capital

    reported by 432 employees
    ₹3.6 L/yr - ₹12.6 L/yr
    At par with the average Credit Manager Salary in India
    View more details

    What Tata Capital employees are saying about work life

    based on 2.4k employees
    58%
    50%
    51%
    98%
    Flexible timing
    Monday to Saturday
    Within city
    Day Shift
    View more insights

    Tata Capital Benefits

    Submitted by Company
    Job Training
    Health Insurance
    Soft Skill Training
    Work From Home
    Submitted by Employees
    Health Insurance
    Job Training
    Soft Skill Training
    Work From Home
    Cafeteria
    Free Transport +6 more
    View more benefits

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