Cluster Credit Manager-Housing

ROLEPURPOSE & OBJECTIVE

1. Expertknowledge of assessing credit risk for Home Loan by applyingDeposit of Title Documents and Registration of Mortgageguidelines.
2. Conductincome appraisal of salaried and self-employed borrowers. Indepth understanding and analysis of P & L Account and BalanceSheet including cash flows of self-employed borrowers.
3. Assessincome to obligation ratios, loan to value ratios, in depthknowledge of rational behind calculation of ratios and its impacton loan performance over long tenures.
4. ProvideMarket intelligence from a competition and customer stand point
5. Recommendationson new processes & fraud Control initiative etc
6. ManageCredit Officers team

NON-FINANCIALSIZE

• Manageentire Area underwriting teams
• Handlingportfolio from 50 Cr to 200 Cr
• Supervisingthe monthly disbursement of 60-150 files from the assigned area

• EfficientTAT management by credit team
• Ensureto strengthen area credit team to include more responsibilities
• Tomanage direct and indirect team of close to 4-10 people.
• Involvein process reengineering, Audits, Policy change discussions etc.

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

EnsureCredit policy and process adherence in the Cluster.

Co-ordinatewith Legal & Technical Agencies.

Guide/MonitorCredit Officers of the cluster.

Ensuretimely training to branches in the cluster.

SuggestPolicy revisions in line with changing market conditions.

Customer

• Expertknowledge of customer segments in various markets of India andtheir performance histories.
• Expertknowledge of negative profiles, negative property types andnegative property locations
• Completeunderstanding of various collateral types of all regions andcities in India and their title documentation requirements forcreation of equitable mortgage
• Knowledgeof property valuation process through vendors and knowledge &keen
• interestin monitoring current property price / historical propertyprices.
• Meetappropriate customers for understanding of their needs
• Conductunderwriting for cases under purview
• Pickup EWS for the set of clients in his area
• Maintainportfolio quality of the Cluster as per company norms.
• Monitoringand tracking of HL Loan cases.
• Maintainvarious standard MIS for HL Loan.
• Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies.

InternalProcess

AppropriateIntervention to manage ground level risk effectively.

Ensureadherence to RBI regulations on documentation and KYC compliance.

LUCand periodic loan monitoring framework

ProvideAudit Compliance.

Timelyhiring of Credit Officer for the Cluster as per the budget

Learning& Performance

Maintainup to date knowledge of HL and other related products.

Upgradeself and team about changes happening in the market.

Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives

Ensureon time appraisal and suggest suitable career paths for staff

Note: Highlightonly the critical baseline responsibilities; and not activities thatthe role holder might do on an ad-hoc/on-off case

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Qualifications

• Graduateor Post graduate (preferred MBA) from a reputed college.

Experience(Yearsand Core Experience Type)

• Preferredexperience of 4 years or more in Credit Home loans/MortgageLoans/MSME Loans Loan products.
• Teamhandling is a must.

FunctionalSkills

• Knowledgeof Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts
• BusinessAnalysis Skills
• CommunicationSkills.

BehavioralSkills

• TeamManagement Skills
• Leadership
• Possessesgood interpersonal skills.