Manager - Retail Credit

Tata Capital; Kalyan-Dombivli; Vor Ort; INR 600.000 - 900.000; Vollzeit

Zusammenfassung

Tata Capital is hiring a Credit Underwriter to assess and decide on loan applications, ensuring compliance with policy and customer KYC requirements. The role involves interacting with customers, field visits, and maintaining credit-related MIS across the branch; you will work closely with sales teams to approve mortgage-related proposals.

The ideal candidate will have a graduate/post-graduate degree and relevant certifications, with a focus on risk management and client communication.

Qualifikationen

• Graduate/Master's degree in a relevant field.
• Strong understanding of credit underwriting and risk assessment.

Aufgaben

• Review complex loan applications within guidelines and decide or recommend approvals.
• Underwrite proposals as per policy and procedures to meet SLAs.
• Conduct discussions with customers to verify credit worthiness and complete KYC documentation.

Ausbildung

Graduate

Masters/Post Graduate

Jobbeschreibung

Core 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 honour 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, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
• 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 mortgage business comprising of loan against property, and home loan 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.
• Follow up and ensure recovery of quick mortality cases between
• -
• MOV.

Qualification

Graduate, Masters/Post Graduate

Certifications

CA/MBA (Preferable)