The Branch Credit Manager (BCM) is responsible for evaluating, analyzing, and approving mortgage loan proposals within defined policies and guidelines. The role involves ensuring quality underwriting, risk assessment, and maintaining portfolio health while supporting business growth.
Key Responsibilities:
Assess and underwrite
Home Loan and Loan Against Property (LAP)
proposals as per credit policy.
Analyze applicant financial statements, income documents, bank statements, and other supporting documents to evaluate creditworthiness.
Perform detailed risk assessment of borrower profiles, property, and market conditions.
Ensure credit decisions are made within defined turnaround time (TAT) and policy parameters.
Coordinate with sales and operations teams to resolve discrepancies and ensure smooth loan processing.
Conduct personal discussions (PDs) with customers where required.
Ensure compliance with company credit policies, audit, and regulatory guidelines.
Monitor portfolio performance and take corrective actions to maintain portfolio quality.
Recommend policy changes or process improvements to strengthen credit underwriting.
Manage team members (if applicable) and guide them on credit evaluation and documentation standards.
Key Skills Required:
Strong understanding of
mortgage underwriting, risk analysis, and financial statement analysis.
Sound knowledge of
housing finance, LAP products, property valuation, and legal documentation.
Good analytical and decision-making skills.
Proficiency in MS Office and loan management systems (LMS).
Excellent communication and coordination skills.
Qualifications & Experience:
Education:
Graduate/Postgraduate (preferably in Finance, Commerce, or Economics).
Experience:
Minimum
4-8 years
of experience in
Mortgage / Home Loan / LAP underwriting
with an NBFC or Bank.
Salary:
As per industry standards
Reporting To:
Regional Credit Manager / Zonal Credit Manager
Beware of fraud agents! do not pay money to get a job
MNCJobsIndia.com will not be responsible for any payment made to a third-party. All Terms of Use are applicable.