Branch Credit Manager

Shubham Housing Development Finance; Warangal; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Shubham Housing Development Finance is seeking a capable professional to conduct credit appraisal and evaluate loan proposals across mortgage, housing finance, home loans, and loan against property. You will analyze financials to assess borrower creditworthiness and stay updated on industry and regulatory trends.

The role requires strong analytical skills, knowledge of housing finance, underwriting, risk analysis, and policy formulation.

Qualifications

• 4–8 years of experience in branch credit management or related NBFC/banking role.

Responsibilities

• Conduct credit appraisal and evaluation of loan proposals, including mortgage loans, affordable housing finance, home loans, and loan against property.

Skills

Credit underwriting

Credit analysis

Credit policy formulation

Credit risk analysis

Credit evaluation techniques

Analytical skills

Financial statement analysis

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.