Branch Credit Manager

Job Description

Role & responsibilities Credit Assessment & Underwriting: Evaluate Home Loan (HL) and Loan Against Property (LAP) applications based on income, financial documents, and property valuation. Analyze financial statements, CIBIL reports, and repayment capacity of borrowers. Conduct risk assessment before loan approvals and ensure adherence to credit policies. Recommend cases for higher approvals as per the delegation matrix. Portfolio Management & Risk Monitoring: Monitor the loan portfolio to ensure healthy asset quality and minimize Non-Performing Assets (NPAs) . Implement risk mitigation strategies for high-risk cases. Review overdue accounts and coordinate with collection teams for recovery. Perform post-sanction monitoring to track borrower performance. Compliance & Documentation: Ensure proper documentation and legal verification before loan disbursal. Adhere to RBI/NBFC compliance norms and internal credit guidelines. Work with legal and risk teams for fraud detection and dispute resolution. Stakeholder Coordination: Collaborate with sales teams to ensure timely processing of loan applications. Liaise with property evaluators, legal teams, and technical experts for due diligence. Train and guide branch teams on credit assessment best practices . Key Skills & Requirements: Experience: 3-8 years in credit underwriting for Home Loan (HL) and LAP . Skills: Strong knowledge of HL, LAP underwriting guidelines .