Credit Manager - Secured Lending

Skillventory; Coimbatore District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Skillventory in Tamil Nadu's Coimbatore region seeks a Loan Underwriter to assess and underwrite secured loan applications, including Home Loans, LAP, Mortgage, and SME secured loans. The role requires rigorous financial statement analysis and collateral review.

You will ensure adherence to credit policies and RBI guidelines, evaluate risk, and coordinate with Sales, Legal, Technical, Operations, and Credit Processing teams to maintain portfolio quality and timely processing of cases.

Responsibilities

• Evaluate and underwrite secured loan applications.
• Home Loans (HL), Loan Against Property (LAP), Mortgage Loans.
• SME Secured Loans and Business Loans against collateral.
• Analyze financial statements, income documents, bank statements, GST returns, ITRs, and cash flow.
• Assess applicant repayment capacity and overall creditworthiness.
• Conduct property and collateral evaluation by reviewing legal and technical reports.
• Ensure adherence to internal credit policies, RBI guidelines, and regulatory requirements.
• Identify potential risks and recommend mitigants.
• Coordinate with Sales, Legal, Technical, Operations, and Credit Processing teams.
• Approve or recommend cases within delegated authority limits.
• Monitor portfolio quality and maintain delinquency within acceptable levels.
• Handle credit deviations and provide detailed justifications.
• Maintain TAT while ensuring sound credit quality.
• Support audit, compliance, and policy implementation initiatives.

Job description

Role & responsibilities

• Evaluate and underwrite secured loan applications such as:
• Home Loans (HL)
• Loan Against Property (LAP)
• Mortgage Loans
• SME Secured Loans
• Business Loans against collateral
• Analyze financial statements, income documents, bank statements, GST returns, ITRs, and cash flow.
• Assess applicant repayment capacity and overall creditworthiness.
• Conduct property and collateral evaluation by reviewing legal and technical reports.
• Ensure adherence to internal credit policies, RBI guidelines, and regulatory requirements.
• Identify potential risks and recommend appropriate mitigants.
• Coordinate with Sales, Legal, Technical, Operations, and Credit Processing teams for smooth loan processing.
• Approve or recommend cases within delegated authority limits.
• Monitor portfolio quality and maintain delinquency within acceptable levels.
• Handle credit deviations and provide detailed justifications.
• Maintain TAT while ensuring sound credit quality.
• Support audit, compliance, and policy implementation initiatives.