Job Description

Job Requirements
Job Requirements
Role/ Job Title: Credit Manager-Loan Against Property.
Function/ Department: Retail Underwriting.
Job Purpose:
To assess, evaluate review and approve credit proposals as which is referred to retail credit involving LAP products. To Maintain the service level deliverables agreed with counter parts.
Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the banks' risk appetite. Interpersonal relationship Management with Peers.
Roles & Responsibilities:

• Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes.
• Supervise a team of credit underwriters and provide guidelines.
• Conduct personal discussion with customers to establish credit worthiness.
• Control and contain front-end delinquencies by calling up customer on first presentation.
• Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• Coordinate with sales to achieve targets and ensure SLAs are met.
• Ensuring credit policy adherence to the accepted standards.

Education Qualification:
Graduation: Any.
Post-graduation: Any.
Experience: 2+ years of experience in credit.

Skills Required