Credit Manager - Loan Against Property

Tata Capital Finance Ltd; Coimbatore District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Tata Capital Finance Ltd is seeking a Credit Manager for Loan Against Property at SaRaL, Coimbatore. The role involves underwriting complex loan proposals, assessing credit worthiness, and ensuring timely, compliant credit decisions across the branch network.

The candidate will manage MIS, coordinate with sales for speedy approvals, and uphold regulatory and policy standards throughout the lending process.

Qualifications

• Educational qualification as stated: Post Graduate/ Graduate in any discipline.

Responsibilities

• Review and assess a broad range of loan applications within defined guidelines and take decisions or recommend for approval to higher authorities.
• Underwrite proposals as per laid down policies & procedures to meet SLAs and manage city/area volumes.
• Conduct discussions with customers to establish credit worthiness and verify KYC documents and telephonic/field visits.
• Assess income to obligation ratios and understand their impact on loan performance during tenure.
• Maintain Portfolio MIS and Delinquency MIS and generate regular reports.
• Collaborate with sales to ensure quick turnaround on credit lending proposals.
• Monitor credit exposures and implement risk mitigation with collateral documentation.
• Manage the credit underwriting function at the branch with local analysts and sales team.

Education

Post Graduate/ Graduate in any discipline

Job description

Credit Manager - Loan Against Property - SaRaL - Coimbatore - Supraaja Towers - JM 10337

To underwrite and manage the portfolio in assigned branch/location Responsibilities: Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems Exceed service quality standards and strive for continuous process improvement 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. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. 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 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.

Educational Qualification: Post Graduate/ Graduate in any discipline