Credit Manager - Loan Against Property - Chennai - Centennial Square - JM

Tata Capital; Chennai; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Tata Capital is seeking a credit underwriting professional in Chennai to underwrite and manage loan portfolios within defined guidelines. The role involves reviewing complex loan applications, verifying customer information and ensuring adherence to KYC and credit policies.

You will collaborate with sales and credit teams to achieve timely approvals while maintaining risk controls. The candidate should be comfortable with analyzing income-to-obligation ratios and generating MIS reports to

Qualifications

• Experience in evaluating loan applications and assessing credit risk.
• Ability to conduct discussions with customers to verify information and document verification.
• Strong understanding of credit policies, risk controls and SLAs.

Responsibilities

• Review and assess a broad range of loan applications within guidelines and decide or escalate as needed.
• Underwrite proposals per policies to meet SLAs and manage city/area volumes.
• Discuss with customers to establish credit worthiness and ensure completion of KYC documents.
• Assess income-to-obligation ratios and understand impact on loan performance.
• Maintain Portfolio MIS, Delinquency MIS and other related MIS.
• Develop relationships with third parties to facilitate client outcomes.
• Resolve client queries leveraging industry knowledge and mitigation strategies.

Skills

Credit underwriting

Loan assessment

KYC documentation

MIS reporting

Education

Post Graduate/ Graduate in any discipline

Job description

Job Description:

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