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avanse financial services ltd.
State Head - Creditavanse financial services ltd. • Bengaluru / Bangalore, India
State Head - Credit

State Head - Credit

avanse financial services ltd. • Bengaluru / Bangalore, India
28 days ago
Job description
Managing team of Credit processing associates

Credit Appraisal

Delinquency Management

PDD Management

Roles & Responsibilities

Managing team of Credit processing associates.

Credit Appraisal – Underwriting/recommending of proposals for non-collateral/collateral backed education infrastructure loan.

Process – Understanding process and policies and implementing the same to ensure smooth transactions.

Training- Provide training to CPA's so that they work in synergy with the companies policies and norms

Delinquency Management for the location

Vendor / Cost management – managing the outsource agencies and ensure TAT is maintained by these agencies.

Quality Management in terms of Audit, Compliance and Hindsighting

PDD Management – controlling and tracking PDDs through proper

MIS for the location

Monitoring end usage of loan

Key Performance Indicators

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Maintaining Audit Compliance and errors in Hind sighting

Training

Delinquency control as per budget

Cost management

New initiatives

Experience

8-15 years of Experience

Technical Competencies / Skills

  • Basic knowledge of loan underwriting
  • Knowledge of Mortgage Lending Business- awareness on risk involved w.r.t. to title of property
  • Should be able to conduct personal discussions with clients (self-employed) independently and arrive at cash flow analysis.
  • Experience of underwriting loans to K12 Schools & colleges will be added advantage (non mandatory)
  • Good communication and report writing skills
  • Basic knowledge of Banking
  • Good Knowledge of computer applications
  • Knowledge of practices in mortgage industry

Personal Attributes

  • Managerial Qualities
  • Initiative
  • Process Orientation
  • Customer Orientation

Formal Qualifications

CA/ MBA preferred.

EligibilityCA, MBA (Finance)
Skills Required
cash flow analysis , Banking, Loan Underwriting, Computer Applications
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State Head - Credit • Bengaluru / Bangalore, India

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