Branch Credit

Shubham Housing Development Finance; Warangal; On-site; INR 900,000 - 1,800,000; Full time

Job summary

Shubham Housing Development Finance is seeking a seasoned credit professional to manage loan appraisal and risk assessment across mortgage, affordable housing, home loans and property-backed products.

You will analyze financial statements, collaborate with sales teams to source clients, and help shape credit policies to minimize risk while staying compliant with regulations.

Qualifications

• 4-8 years of experience in branch credit management or related role in an NBFC or banking institution.
• Strong understanding of affordable housing finance, credit underwriting, credit analysis, credit policy formulation, credit risk analysis, and credit evaluation techniques.
• Excellent analytical skills with ability to interpret complex financial data effectively.

Responsibilities

• Conduct credit appraisal and evaluation of loan proposals, including mortgage loans, affordable housing finance, home loans, and loan against property.
• Analyze financial statements, cash flows, and other data to assess borrowers' creditworthiness.
• Develop and implement credit policies and procedures to minimize risk exposure.
• Collaborate with sales teams to identify potential clients and develop strategies for acquiring new business.
• Stay up-to-date with industry trends, regulatory changes, and competitor activity to maintain expertise in the field.

Skills

Credit underwriting

Credit analysis

Credit policy formulation

Credit risk analysis

Credit evaluation techniques

Analytical skills

Job description

Roles and Responsibilities

• Conduct credit appraisal and evaluation of loan proposals, including mortgage loans, affordable housing finance, home loans, and loan against property.
  
• Analyze financial statements, cash flows, and other relevant data to assess creditworthiness of borrowers.
  
• Develop and implement effective credit policies and procedures to minimize risk exposure.
  
• Collaborate with sales teams to identify potential clients and develop strategies for acquiring new business opportunities.
  
• Stay up-to-date with industry trends, regulatory changes, and competitor activity to maintain expertise in the field.
  

Desired Candidate Profile

• 4-8 years of experience in branch credit management or related role in an NBFC or banking institution.
  
• Strong understanding of affordable housing finance, credit underwriting, credit analysis, credit policy formulation, credit risk analysis, credit evaluation techniques.
  
• Excellent analytical skills with ability to interpret complex financial data effectively.