Function

Credit

Location

Mumbai

Role

Credit Manager

Reporting into (Positions)

Area Credit Manager

Key Result Areas

• Responsible for diligently appraising and disbursing Loan against property loan and Unsecured loan proposals as per the underwriting policy
• To maintain the portfolio quality in the branch while ensuring adherence to the policy/process
• Responsible for positively impacting client experience by maintaining the underwriting TAT for team
• To analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution
• To interact with customers to obtain additional credit information to support credit lines
• To implement effective risk monitoring mechanism with existing clients
• Train staff on policies & procedures
• Audit to ensure that the disbursement conditions specified are fulfilled
• Ensure all RBI/NHB norms and Audit requirements are being adhered to

Required Skills

• Good analytical skills
• Good communication and interpersonal skills
• Time management
• Positive approach
• Technical Knowledge & experience in underwriting mortgage & SME loans.
• Detail orientation
• Good understanding of local market, industries etc.

Qualification

CA Preferred/ CFA/CWA/CS/MBA (Finance)

No. of years of Industry experience

Minimum 3 years of relevant experience