Area Credit Manager

ABC - Aditya Birla Housing Finance Limited; Karnataka; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

ABC - Aditya Birla Housing Finance Limited is seeking a credit underwriting leader for the Karnataka region. The role involves overseeing the underwriting function, reviewing proposals, and ensuring rapid turnaround in collaboration with local analysts and sales teams.

The incumbent will drive risk mitigation, ensure compliance with legal and documentation norms, monitor exposures, and guide a regional team across locations and business segments to support informed lending decisions.

Responsibilities

• Oversee the credit underwriting function and review of credit proposals for the region
• Facilitate quick turnaround of credit lending proposals with local credit analysts and sales teams
• Undertake steps for risk mitigation while ensuring adherence to legal & documentation norms and policies
• Highlight credit risks and mitigating actions to aid decision making by approving authorities
• Ongoing review of credit exposures to ensure they remain bankable
• Review and ensure documentation of proposals and monitor client creditworthiness from pre-sanction to post-disbursement phase
• Approve credit proposals within approving authority and recommend cases to NRM / Credit Committee for decision
• Guide, motivate and manage a team spread across locations and serving different business segments

Job description

• To oversee the credit underwriting function and review of credit proposals logged in for the region
• To facilitate quick turnaround of credit lending proposals in close liaison with the local credit analysts and sales teams.
• To undertake necessary steps for risk mitigation, when required, while ensuring adherence to legal & documentation norms & policies and highlight credit risks and mitigating actions to facilitate decision making by relevant approving authorities
• To undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
• To review and ensure documentation of the proposals and effectively monitor client creditworthiness from the pre sanction to post disbursement phase
• To approve credit proposals within approving authority and recommend cases to NRM / Credit Committee for decision.

The Purpose Of This Job Is

• To oversee the credit underwriting function and review of credit proposals logged in for the region
• To facilitate quick turnaround of credit lending proposals in close liaison with the local credit analysts and sales teams.
• To undertake necessary steps for risk mitigation, when required, while ensuring adherence to legal & documentation norms & policies and highlight credit risks and mitigating actions to facilitate decision making by relevant approving authorities
• To undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
• To review and ensure documentation of the proposals and effectively monitor client creditworthiness from the pre sanction to post disbursement phase
• To approve credit proposals within approving authority and recommend cases to NRM / Credit Committee for decision.

To guide, motivate and manage a team spread across different locations and serving different business segments.