Manager - Retail Credit

To underwrite mortgage business and manage the portfolio in assigned branch / location

Core Responsibilities :

• Review and assess a broad range of complex   loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city / area business volumes.
• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit / KYC documents and verification- telephonic, field & collateral visits.
• Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
• Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
• Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
• Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
• Exceed service quality standards and strive for continuous process improvement
• Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
• Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
• Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
• Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
• Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms &  policies
• Manage the credit underwriting function of his / her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
• Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.

Skills Required

Loan Processing, Proposal Drafting, Mis, credit review