CHL-LPA-17644 - Credit Manager - Mortgage
Location:Indore
Required Experience: 4 - 5 yrs
Job Description :
• Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
• Verifying the promoter’s track record & ascertaining their credit worthiness.
• Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position
• To ensure Bounce Rate and Delinquency are within acceptable standards.
Credit Decisions
• Take sound lending decisions based on available information & interactions with the applicants.
• Manage credit quality and control delinquencies, frauds.
Monitoring Performance
• Managing performance in terms of key drivers i.e. o Loses / Portfolio quality parameters
Cost of credit administration o Employee Productivity
• Monitor and enforce approval rate and TAT as per prescribed standards.
• Monitor and ensure that monthly Branch audit score is satisfactory.
• Vendor Management.
• To conduct customer meeting to evaluate credit proposal
• PDD Tracking and closure
• Compliance to repayment instrument replenishment to ensure regular repayment of EMI
Key Skills : Understanding of portfolio metrics.
• Strong inter-personal skills which encourages and promotes enthusiasm and team spirit
Desired Candidate Profile :
• Graduate/Postgraduate.
• 4-6 years Credit/Underwriting experience in Mortgages