Deputy Credit Manager

MAS Rural Housing and Mortgage Finance Limited; Boisar; On-site; INR 450,000 - 750,000; Full time

Job summary

MAS Rural Housing and Mortgage Finance Limited seeks a credit analyst responsible for loan analysis, due diligence, and ensuring credit quality of the portfolio. The role includes presenting findings to sanctioning authorities, maintaining documentation, and preparation of MIS.

The ideal candidate will have strong communication skills, attention to detail, and the ability to engage with various stakeholders across the organization.

Qualifications

• Experience in credit analysis and loan underwriting per Policy Manual
• Ability to prepare MIS and monitor loan administration
• Willingness to travel to outstation branches as instructed
• Strong financial analysis and ratios understanding

Responsibilities

• Analyze loans as per the Policy Manual and act as sanctioning authority
• Ensure credit quality of the loan portfolio underwritten and monitored
• Perform financial analysis of applicants and evaluate credentials
• Record observations and discussions to facilitate credit decisions
• Prepare and monitor MIS and data updates for loan administration
• Verify post-disbursement documentation and compliance with sanction terms
• Visit outstation branches/units for credit appraisal and sanction matters

Skills

Excellent communication

Interpersonal skills

Professional communication

Customer contact skills

Ownership

Attention to detail

Listening skills

Job description

Job Duties:

• • Credit recommending and sanctioning authority, responsible for analysis of loans as per the Policy Manual


• • Accountable for the credit quality of the loan underwritten and portfolio, including the due diligence, of the portfolio included in their markets.


• • Ensuring accurate and appropriate analysis of applicant's credentials, including financial analysis & various associated financial ratios for credit decision, as per the Policy Manual.


• • Responsible for initiating personal Discussion before recommending proposal besides recording all the factual events/observations/discussions to facilitate credit decision by the sanctioning authority


• • Preparing and monitoring system related MIS and data updating for the requirement of the administration of the loans as per the Loan Policy Manual.


• • Being the first person verifying the post disbursement documentation completion and compliance of all conditions including the sanction terms and conditions stipulated on deals.


• • Visits to outstation branches/units as per the instructions of the competent authority in relation to the matters connected with Credit Appraisal/PD/Sanction matters.

Required Skills:

• • Excellent communication and interpersonal skills


• • Ability to communicate and function professionally with all levels of personnel and Business partners across the organization


• • Excellent customer contact skills; comfortable asking questions/ interviewing customers about their financial situation


• • Able to take full ownership of issues until they are completely resolved


• • Attention to detail


• • Good observation and listening skills