Credit Manager - Developer Finance

Tata Capital Finance Ltd; Chennai; On-site; INR 600,000 - 900,000; Full time

Job summary

Tata Capital Finance Ltd seeks a Manager level professional to supervise the credit underwriting function for corporate realty funding and to support the sales team in underwriting and portfolio management for the assigned area in Chennai.

The role requires evaluating borrower financials, ensuring compliance with policies, and driving post-disbursement documentation to reduce gaps. Strong understanding of credit risk and regulatory requirements is essential.

Qualifications

• Underwrite corporate realty and funding group credits.
• Review policies and processes to align with external changes and regulatory requirements.
• Analyze borrower financial statements to assess creditworthiness for decisions.
• Ensure post-disbursement documentation and reduce partly disbursed cases.

Responsibilities

• Underwrite credit for the assigned portfolio and approve disbursements based on LTV, value, and documentation.
• Monitor adherence to credit policies and guidelines; update as needed.

Skills

Credit underwriting

Portfolio management

Financial analysis

Regulatory compliance

Education

Graduate

Masters / Postgraduate

Job description

Manager - Credit - Developer Finance - Developer Finance - Credit - Chennai - Centennial Square (5th Floor) - MM Support and co-partner with the sales team to underwrite CF business and manage the portfolio for the assigned are Responsibilities :

Manage credit underwriting function for corporate realty and funding group business for the assigned portfolio.

• o Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework
• o Evaluate the financial status of the borrower & assess the credit worthiness of the companies by analysing financial data like balance sheet, profit and loss account, cash flow statements and annual reports, for credit decision purpose.
• o Analyze the legal, compliance and market-risk-related issues involved in the lending process.
• o Ensure collection of post disbursal docs & reduction in partly disbursed cases.
• o Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level.
• o Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process.

Qualifications:

Graduate, Masters/Post Graduate