Branch Credit Manager

Hero Housing Finance

4 - 8 years

4 - 8 Lacs

Ankleshwar Gujrat India

Posted:1 day ago| Platform: Foundit logo

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Skills Required

Vendor Management Credit Underwriting Risk Assessment Analytical Skills Interpersonal Skills property legalities

Work Mode

On-site

Job Type

Full Time

Job Description

Branch Credit Manager

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.

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