Credit Manager - Centralized Decisioning Hub - Credit - Housing

JOB Purpose -
* Ensure speedy processing and underwriting of salaried loan applications upto 1 Crore sourced by Housing and AHF Verticals - Pan India

Core Responsibilities

1. Review and assess a broad range of loan applications within defined guidelines and accordingly facilitate decision while ensuring adherence to the prescribed policy
2. 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.
3. Maintain portfolio MIS, delinquency MIS and other operations related MIS of the cluster and regularly report the same.
4. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
5.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.
6. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
7. Enable quick turnaround of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team
8. Provide support to branches in achieving business targets through timely decisions and ensure the quality of underwriting is maintained with healthy accept ratio.
9. Optimize the productivity of the team and ensure it is maintained as per the standards set, providing regular trainings to the team on the updates of the policy changes.
10. Ensure the improvement in quality of files inward by the branch with regular guidance and provide support to branches in achieving business targets