Your browser does not support javascript! Please enable it, otherwise web will not work for you.

Credit Manager -Home Loan & Business Loan @ Array Management

Home > Lending

 Credit Manager -Home Loan & Business Loan

Job Description

Roles and Responsibilities

Greetings from Array!!!

Please find job description for Credit Manager

Industry: Banking/ NBFC
Product: Mortgages/ LAP / HL

  • Assessment of borrowers profiles , repayment capacity and income stability
    • Effectively manage & upskill the credit teams along with allocation of workload
  • Understand and interpret results of financial analysis, banking analysis and bureau reports
  • Analysis of all customer related information in line with credit & risk policy to check eligibility
  • Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement
  • Visiting business premise, property and residence of customer at the time of PD
  • Understanding of actual business income & expenses (other than reported income) of customer
  • Ability to understand customer business and requirement from their perspective
  • Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD
  • Study, analysis and interpretation of legal & technical reports of property
  • Study, analysis and interpretation of other internal check reports
  • Underwriting and sanction of Home loan/loan against property files sourced by sales team
  • Revert on post sanction conditions prior to disbursement based on queries raised by the team
  • Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix
  • Co-ordinate and communicate with different departments
  • Maintaining TAT as per guidelines and taking case to decision point
  • Minimal rework/errors as part of underwriting quality
  • Adherence to the policy/ process laid out by the Central team on all loan applications being processed
  • Close monitoring on non-starters/first EMI bounce trends
  • Audit compliance on all aspects stipulated by Head Office and regulatory compliance
  • Maintaining and reporting of various MIS to monitor portfolio performance and risk
  • Continuously improvise underwriting capability based on portfolio performance


    • Desired Candidate Profile

     Education Qualifications:Graduate





    Job Classification

    Industry: Banking
    Functional Area: BFSI, Investments & Trading,
    Role Category: Lending
    Role: Lending
    Employement Type: Full time

    Education

    Under Graduation: Any Graduate
    Post Graduation: Any Postgraduate
    Doctorate: Any Doctorate

    Contact Details:

    Company: rray Management Consultants
    Location(s): Madurai
    Website: http://jobs.arraymanagement.com

    + View Contact

    Keyskills:   mortgages Business loan HL secured loans affordable housing SME BL mortgage loan loan against property mortgage home loan housing loan retail housing Personal loan home finance home loans lap MSME housing finance pl secured

     Job seems aged, it may have been expired!
     Fraud Alert to job seekers!

    ₹ 3,50,000 - 8,00,000 P.A

    Similar positions

    Credit Analyst 3

    • Sophos
    • 5 - 8 years
    • Multi-City, India
    • 1 month ago
    ₹ Not Disclosed

    Structured Finance Credit Rating Professional

    • Leading Rating Agency
    • 5 - 9 years
    • Mumbai
    • 1 month ago
    ₹ Not Disclosed

    Process Manager - KYC - Pune - eClerx - 6 to 9

    • eClerx
    • 6 - 9 years
    • Pune
    • 1 month ago
    ₹ 5-10 Lacs P.A.

    Branch Manager-Micro Business Loans

    • Idfc First Bank
    • 5 - 10 years
    • Multi-City, India
    • 1 month ago
    ₹ 6-11 Lacs P.A.

    Array Management

    Array Management Conultants

    IndigoJobs © 2024

    For enquiries: contact(at)indigojobs.in

    We are in open beta version of website, please let us know if any issues, at: info(at)indigojobs.in