Credit Manager - Business Loans - Offer Based Program - Bengaluru - Prestige Corniche - JM

TATA Capital; Bengaluru; On-site; INR 600,000 - 850,000; Full time

Job summary

TATA Capital is seeking an experienced credit underwriter to manage loan portfolios in the Bengaluru region. You will review complex applications, conduct customer discussions, verify KYC/documents, and assess income-to-obligation ratios to gauge credit risk.

You will maintain MIS and collaborate with sales teams to ensure timely approvals and sound risk mitigation. Role requires strong analytical skills, attention to policy, and the ability to translate financial data into informed lending

Qualifications

• Underwrite and assess complex loan applications per guidelines
• Review proposals and ensure compliance with policies and SLAs
• Build relationships with customers and third parties for collateral and verifications
• Analyze income to obligation ratios and impact on loan performance

Responsibilities

• Review and assess a broad range of loan applications within guidelines
• Underwrite proposals and seek approval from higher authorities as needed
• Conduct discussions with customers for creditworthiness and KYC completion
• Maintain Portfolio MIS and other related MIS with regular reporting
• Facilitate fastest turnaround for credit lending proposals in liaison with sales team
• Ensure collateral and risk mitigations to enable decision-making by authorities
• Ongoing review of credit exposures to maintain bankability

Skills

Credit underwriting

KYC documentation

MIS reporting

Customer relationship management

Risk mitigation

Education

Post Graduate/Graduate in any discipline

Job description

Job Description

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

Job Info

• Job Identification 49903