Area Credit Manager - Home Loans

Ratnaafin Capital; Pune District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Ratnaafin Capital seeks an Area Credit Manager in Pune to evaluate complex loan applications, underwrite proposals, and ensure KYC compliance. You will engage with customers directly to assess creditworthiness, complete verifications, and coordinate with sales to enable quick turnarounds.

The role emphasizes risk mitigation and adherence to credit policies. Ideal candidates have CA/CFA or MBA in Finance with prior Area Credit Manager experience in machinery loans, and a track record of

Qualifications

• CA/CFA or MBA in Finance required
• Experience as Area Credit Manager in machinery loans in Bank/NBFC
• End-to-end processing of loan proposals experience preferred

Responsibilities

• Review and assess a broad range of complex loan applications and recommend approvals
• Underwrite proposals per policy and procedure
• Conduct discussions with customers to verify credit worthiness and complete KYC documents and verification

Skills

CA/CFA

MBA in Finance

Area Credit Manager

Education

CA/CFA

MBA in Finance

Job description

Roles: Area Credit Manager

Product : Home Loans + Aff. LAP

PRIMERY RESPONSIBILITIES:

• 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.
• 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.
• 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.

DESIRED SKILLS:

• Suitable Relevant Education: CA/CFA or MBA in Finance Preferred
• Experience as a Area Credit Manager in Machinery Loans in Bank / NBFC.
• Experience in End-to-End processing of loan proposals