Branch Credit Manager

India Shelter Finance Corporation; Nagpur District; Sur place; INR 900 000 - 1 300 000; Plein temps

Résumé du poste

India Shelter Finance Corporation is seeking a Branch Credit Manager for Home Loans and LAP underwriting. You will conduct deep-dive financial and technical assessments of property-backed applications to maintain high-quality portfolios while strictly following Credit Policies and RBI/NHB guidelines.

The role emphasizes strong documentation, regulatory compliance, and collaboration with sales and operations to optimize loan decisions and minimize delinquencies.

Qualifications

• Experience assessing secured retail assets.
• Ability to analyze ITRs, P&L, balance sheets, and bank statements.
• Familiarity with credit policy frameworks and RBI/NHB guidelines.

Responsabilités

• Financial Appraisal: Analyze IT Returns, P&L statements, Balance Sheets, and bank statements.
• Property Assessment: Review Technical Valuation reports and Legal Title Search Reports for collateral suitability.
• Risk Evaluation: Assess borrower profile, repayment capacity, and credit history to inform decisions.
• Approval/Rejection: Approve files within Branch Credit Authority or escalate with risk memos.
• Operational & Regulatory Compliance: Ensure policy adherence, KYC/AML compliance, audit readiness, and fraud risk mitigation.
• Delinquency Management: Identify early signals to prevent NPAs and improve portfolio quality.

Connaissances

Credit underwriting

KYC & AML compliance

Risk assessment

Formation

Graduation

Description du poste

Credit Credit Risk Assessment Loan Against Property Underwriting Process Optimization Exception Management Workflow Management Task Management Multitasking Team Management Motivation Risk Assessment

Graduation

Job Description

The Branch Credit Manager for Home Loans and Loan Against Property (LAP) is a critical role responsible for the underwriting of secured retail assets. You will be tasked with conducting deep-dive financial and technical assessments of property-backed loan applications. The objective is to maintain a high-quality, low-delinquency portfolio while ensuring strict adherence to Credit Policies and RBI/NHB regulatory guidelines.

Key Responsibilities

1. Credit Underwriting (Secured Assets)

Financial Appraisal: Analyze Income Tax Returns (ITR), P&L statements, Balance Sheets, and bank statements for self-employed individuals (SEP) and salary slips/Form 16 for salaried applicants (SENP).

Property Assessment: Review and validate Technical Valuation reports (from empanelled valuers) and Legal Title Search Reports (LSR) to ensure the property meets the company's collateral standards.

Risk Evaluation: Assess borrower profile, repayment capacity, and credit history (Bureau scores) to arrive at a well-reasoned credit decision.

Approval/Rejection: Approve files within the defined Branch Credit Authority (BCA) or recommend cases to higher authorities with detailed credit memos and risk mitigating factors.

2. Operational & Regulatory Compliance

Policy Adherence: Ensure all files are processed according to the latest credit policy, avoiding unauthorized deviations.

KYC & AML: Enforce strict compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML) policies.

Audit Readiness: Maintain impeccable documentation for every file to ensure readiness for internal and external audits.

Business Partnership: Act as a bridge between the sales team and operations. Provide constructive feedback on file structuring to help achieve business goals without compromising credit quality.

Fraud Mitigation: Vigilantly identify potential red flags in property documents or financial submissions to prevent fraud or misrepresentation.

Delinquency Management: Proactively analyze early warning signals in the branch’s portfolio to prevent future NPAs.