Area Credit Manager - LAP

SkillLabs; Mumbai; On-site; INR 900,000 - 1,200,000; Full time

Job summary

SkillLabs is seeking a seasoned credit assessment professional in Mumbai to enable the right loan products for customers applying for loan against property. You will manage the end-to-end credit process within defined TAT and focus on delivering high-quality service across engagements.

The role requires 5–8 years of relevant experience, with preference for candidates experienced in channel management for LAP, HL and secured loans.

Qualifications

• Post Graduate preferred with 5-8 Years of relevant work experience.
• Prior experience in channel management for LAP, HL, Secured Loans.

Responsibilities

• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers for loan against property.
• Undertake the credit assessment process within defined turn-around-time (TAT).
• Focus on delivering best in class service and transaction experience to customers in every engagement.
• Consider key market nuances in the credit underwriting process.
• Undertake comprehensive opportunity capturing while conducting credit assessment.
• Keep a focus on creating high quality portfolio.
• Manage the complete life-cycle of loan process, through credit application till disbursement.
• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning.
• Ensure post disbursement documents and covenant management.
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others.
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks.

Skills

Credit underwritin

Turnaround time

Portfolio management

Regulatory awareness

Education

Post Graduate

Job description

• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers for loan against property
• Undertake the credit assessment process within defined turn-around-time (TAT)
• Focus on delivering best in class service and transaction experience to customers in every engagement
• Consider key market nuances in the credit underwriting process
• Undertake comprehensive opportunity capturing while conducting credit assessment
• Keep a focus on creating high quality portfolio
• Manage the complete life-cycle of loan process, through credit application till disbursement
• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning
• Ensure post disbursement documents and covenant management
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks

Roles And Responsibilities

• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers for loan against property
• Undertake the credit assessment process within defined turn-around-time (TAT)
• Focus on delivering best in class service and transaction experience to customers in every engagement
• Consider key market nuances in the credit underwriting process
• Undertake comprehensive opportunity capturing while conducting credit assessment
• Keep a focus on creating high quality portfolio
• Manage the complete life-cycle of loan process, through credit application till disbursement
• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning
• Ensure post disbursement documents and covenant management
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks

Candidate Profile Required

• Post Graduate preferred with 5-8 Years of relevant work experience.
• Prior experience in channel management for LAP, HL, Secured Loans