Area Credit Manager (Karnataka)
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Vitasta Consulting pvt ltd – Date posted: 07 Mar 2018
Job Title: Area Credit Manager
Degree of Travel required to: High within the city
Role directly reports to: Head of credit
Positions that report into this role: Credit Analyst
Essential Qualifications :
Preferably CA/ ICWA/ MBA Finance / PG Commerce)
2-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME)
Deep experience & understanding of retail financial services across NBFCs, banking
Essential Skills & Experience :
Knowledge of local market, property markets and trends in retail lending
Understanding of local business and micro economy
Ability to work under tight deadlines and to prioritize conflicting and changing priorities
Keen understanding and focus on risk, controls, compliance and regulatory framework
Ability to liase with internal stakeholders and regional teams
Strong customer focus and management of stakeholder expectations
Strong analytical & communication skills (written & verbal)
Ability to build, coach and mentor high performance oriented teams
Key Roles/Responsibilities:
Assessment of borrowers profiles, repayment capacity and income stability
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
Effectively manage & upskill the credit teams along with allocation of workload…
Source: Careesma