Credit Manager - Loan Against Property - Chennai - Bharathi Salai - JM

Tata Capital; Chennai; In loco; INR 700.000 - 900.000; Tempo pieno

Descrizione del lavoro

Tata Capital in Chennai is seeking an experienced Loan Underwriter to assess and decision complex loan applications, ensuring strict KYC and policy compliance while meeting SLAs.

The role involves credit risk evaluation, MIS maintenance, and coordinating with sales to enable rapid, well-documented approvals with proper collateral and risk mitigation.

Competenze

• Review and assess a broad range of complex loan applications.
• Underwrite proposals per policy and SLA.
• Complete credit/KYC documents and verification (telephonic, field & collateral).

Mansioni

• Review and assess complex loan applications and seek approvals as needed.
• Underwrite proposals per policies to honor SLAs.
• Conduct customer discussions to assess credit worthiness and verify KYC.
• Maintain Portfolio MIS and Delinquency MIS.
• Ensure collateral and risk mitigation to enable approving authority.
• Enable quick turnaround of credit lending proposals with sales team.
• Monitor credit exposures to ensure bankability.
• Documentation and risk mitigation from pre-sanction to post-disbursement.

Conoscenze

Credit underwriting

Credit risk analysis

MIS reporting

KYC documentation

Formazione

Post Graduate/Graduate in any discipline

Descrizione del lavoro

Job Description:

10337

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