Job
Description
As a Branch Credit Manager at Weekday's client in Vadodara, you will play a vital role in evaluating and managing credit for Home Loans, Mortgage Loans, and Loan Against Property (LAP). Your dynamic and result-oriented approach is essential to ensure timely and sound credit decisions, contributing directly to the growth and profitability of the branch. **Key Responsibilities:** - Assess creditworthiness of prospective customers applying for Home Loans, Mortgage Loans, and Loans Against Property. - Conduct in-depth analysis of customer profiles including financial documents, income statements, property documents, and credit reports. - Sanction loans within delegated authority limits and recommend proposals to higher authority for approval. - Ensure strict adherence to internal credit policies and regulatory guidelines. - Interact with customers, sales team, legal, and technical vendors to ensure completeness and authenticity of loan applications. - Identify potential risks and suggest appropriate mitigants to safeguard company interests. - Collaborate with legal and technical teams to validate property documents, valuations, and title clearance. - Maintain high-quality credit portfolio by taking proactive actions on irregular accounts. - Monitor disbursement process and post-disbursement documentation to ensure compliance. - Support the collections team for early warning signs on default risks. - Prepare credit appraisal memos with clear justifications for decisions, ensuring transparency and accountability. - Regularly update credit MIS reports and dashboards for review with senior management. **Key Skills & Competencies:** - Strong understanding of Home Loan, Mortgage Loan, and LAP products. - Proficient in financial analysis, risk assessment, and credit evaluation techniques. - Sound knowledge of lending norms, credit policies, and RBI regulations. - Hands-on experience in handling property-related legal and technical due diligence. - High attention to detail with a strong sense of accountability and integrity. - Proficient in using credit appraisal tools, MS Excel, and loan management systems. - Strong interpersonal and communication skills to engage effectively with customers and internal stakeholders. - Ability to work under pressure and manage multiple cases simultaneously within tight timelines. **Qualifications:** - Graduate/Postgraduate in Finance, Commerce, or related field. - MBA (Finance) or CA Inter will be an added advantage. In addition to the specified job role and responsibilities, prior experience in NBFCs/Banks/Housing Finance Companies in a similar credit role and experience in working with Tier 1 and Tier 2 cities will be considered beneficial for this position. As a Branch Credit Manager at Weekday's client in Vadodara, you will play a vital role in evaluating and managing credit for Home Loans, Mortgage Loans, and Loan Against Property (LAP). Your dynamic and result-oriented approach is essential to ensure timely and sound credit decisions, contributing directly to the growth and profitability of the branch. **Key Responsibilities:** - Assess creditworthiness of prospective customers applying for Home Loans, Mortgage Loans, and Loans Against Property. - Conduct in-depth analysis of customer profiles including financial documents, income statements, property documents, and credit reports. - Sanction loans within delegated authority limits and recommend proposals to higher authority for approval. - Ensure strict adherence to internal credit policies and regulatory guidelines. - Interact with customers, sales team, legal, and technical vendors to ensure completeness and authenticity of loan applications. - Identify potential risks and suggest appropriate mitigants to safeguard company interests. - Collaborate with legal and technical teams to validate property documents, valuations, and title clearance. - Maintain high-quality credit portfolio by taking proactive actions on irregular accounts. - Monitor disbursement process and post-disbursement documentation to ensure compliance. - Support the collections team for early warning signs on default risks. - Prepare credit appraisal memos with clear justifications for decisions, ensuring transparency and accountability. - Regularly update credit MIS reports and dashboards for review with senior management. **Key Skills & Competencies:** - Strong understanding of Home Loan, Mortgage Loan, and LAP products. - Proficient in financial analysis, risk assessment, and credit evaluation techniques. - Sound knowledge of lending norms, credit policies, and RBI regulations. - Hands-on experience in handling property-related legal and technical due diligence. - High attention to detail with a strong sense of accountability and integrity. - Proficient in using credit appraisal tools, MS Excel, and loan management systems. - Strong interpersonal and communication skills to engage effectively with customers and internal stakeholders. - Ability to wor
