Credit Manager - Business Loans

Tata Capital Finance Ltd; Bengaluru; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Tata Capital Finance Ltd invites applications for a Credit Manager - Business Loans based in Bengaluru. The role involves underwriting and managing the portfolio across the branch and city, reviewing complex loan proposals, ensuring KYC/compliance, and maintaining MIS reports.

It requires engaging with clients to assess creditworthiness and enforcing risk controls. The candidate will oversee credit underwriting in the branch, coordinate with sales teams, and drive faster turnaround while

Qualifications

• Postgraduate/ Graduate in any discipline.

Responsibilities

• Review complex loan applications within guidelines and decide or recommend approval to higher authorities.
• Underwrite proposals per policy to meet SLAs and manage city/area volumes.
• Discuss with customers to assess creditworthiness and ensure completion of credit/KYC documents via telephonic, field, and collateral verifications.
• Assess income-to-obligation ratios and their impact on loan performance.
• Maintain and report Portfolio MIS, Delinquency MIS, and other MIS for the cluster.
• Build relationships with third parties to improve client outcomes.
• Own client queries and use industry knowledge to resolve issues.
• Exceed service quality and pursue continuous process improvements.
• Critically review credit proposals to highlight industry, business, financial, management and facility risks.
• Ensure collateral and risk mitigants to support approval decisions.
• Enable quick turnaround of lending proposals in liaison with sales team.
• Continuously review credit exposures to ensure bankability.
• Ensure robust review and documentation from pre-sanction to post-disbursement, monitoring creditworthiness and risk mitigation.
• Manage branch credit underwriting and ensure quick turnaround with local analysts and sales team.

Education

Postgraduate/ Graduate in any discipline

Job description

Credit Manager - Business Loans - Bengaluru - Prestige Corniche - JM To underwrite and manage the portfolio in assigned branch/location

• 1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.


• 2. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes.


• 3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.


• 4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.


• 5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.


• 6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties


• 7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems


• 8. Exceed service quality standards and strive for continuous process improvement


• 9. 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.


• 10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.


• 11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.


• 12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.


• 13. 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


• 14. 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.

Post Graduate/ Graduate in any discipline