Branch Credit Manager

We are seeking a diligent Branch Credit Manager to oversee credit appraisals and ensure adherence to lending guidelines. You will be responsible for the credit underwriting of loans as per company policy, engaging directly with customers to understand their requirements, and conducting personal discussions to assess income. This role also involves maintaining market knowledge, managing turnaround times, ensuring file quality, and demonstrating a strong understanding of property-related knowledge.

Roles and Responsibilities:

• Conduct thorough credit appraisal of loans as per the company's credit policy.
• Demonstrate strong experience in Credit Underwriting.
• Engage in direct discussions with customers to understand their loan requirements comprehensively.
• Perform Personal Discussions (PD) with customers at their residence and business premises for accurate income assessment.
• Maintain current knowledge of market conditions and company lending guidelines.
• Manage turnaround time (TAT) and ensure high file quality for the respective locations.
• Possess a strong understanding of Property related knowledge, including legal title and market value of the property.
• Oversee Vendor Management pertinent to credit appraisal processes.

Skills Requirement:

• Must have experience in Credit Underwriting within NBFC/BFSI sectors, specifically for products like Home Loan (HL), Loan Against Property (LAP), or Mortgage.
• Strong analytical skills for credit appraisal and risk assessment.
• Excellent communication and interpersonal skills for customer discussions and vendor management.
• Meticulous attention to detail for file quality and adherence to policies.
• Ability to manage TAT and work efficiently.
• Strong understanding of property legalities and valuation.

QUALIFICATION:

• Any Graduate or Post graduate.

Skills Required
Interpersonal Skills, Risk Assessment, Analytical Skills, Credit Underwriting, Vendor Management