1497 Credit Appraisal Jobs - Page 9

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

The key responsibilities of the role will be as follows: The role provides an opportunity to work with promoters in the structured finance sector Client facing end to end deal lead business & deal analysis, structuring, drafting term sheets, negotiations Working with credit teams for efficient drafting of credit memos and taking ownership of driving the credit approval process. Working with Service team in execution and disbursement Interacting with various internal and external stakeholders for the successful closure of the deal Job Requirements: Preferably MBAFinance / CAwith 5-10 years of relevant experience Good communication and presentation skills. Analytical and Problem Solving

Position Title Product Manager Subsidy Programs (Will align with Channel Team for Role) Department Business Banking Asset Working Capital Location Mumbai Reporting Relationship Product Manager (Subsidy Programs) Position Grade M5/M6 Purpose of the Position To create and drive programs around subsidy(ies) that aligns with the overall business objectives and equip customer acquisition, create tailored funding solutions incorporating subsidy elements, processing and administering subsidies seamlessly for customers. Create and maintain a conducive environment among various stakeholders, internal and external, building capabilities for the bank to harness subsidy related benefits for Banks customers. Roles and Responsibility Create-Maintain-Update programmes / notes on various Government subsidies at State and Central Level. Processing the Customer requests and maintaining MIS / Reports of requests received / processed / status. Highlight non-adherence or delay in response from stakeholders to immediate superiors for support Adopt and drive best practices / processes to ensure reduction in TAT / Errors / Compliance gaps. Display ownership in handling service requests of customers, providing end to end solutions, improving NPS. Timely action on open applications; period review of open items and refining of processes. Diligently comply to the regulatory practices and Banks processes/protocol; Adopt best practices addressing potential risks. Set goals, subsidy book targets and drive the team to achieve them in a timely way with gradual progress. Take ownership in additional activities to drive team performance. Create Region Specific Content and regular Training and interaction with Front End team(s). Required Qualifications and Experience Education: Graduation or Post Graduation from STEM Fields or equivalent professional certificate with graduate degree. Experience 5+ years of experience in finance domain; preferably from lending domain. Knowledge & Skills: Client FocusKeeps customer as the pivot point of interactions and supports clients in their requirements. TechnologyAdopts technology / applications to suit role requirements and use them proficiently. ResilienceStaying calm and composed and work undaunted towards the goals with focus against challenges. Continuous Improvementself-initiations, open for feedbacks and keenness to learn and improve. Knowledge AcquisitionStudy entire programme notes and schemes and create Key Fact Brochures. Be updated on latest process/policy/developments in the subsidy space and finance domain. Connect with Government/Quasi-Government/Nodal agencies, interact and maintain clarity on the various topics. TeamworkOpenly participate and contribute in team discussions, shares information and maintain cordial relationship with stakeholders. Practice clear and diplomatic communication; follows goal oriented approach and mentor the team members. Negotiation & InfluenceEncourages detailed discussions, analyse opinions and draft impactful resolutions. AutonomyExhibit ownership on the activities of self and the team apart from nurturing the team. Demonstrates self-driven behaviour, punctuality and having accountability towards the functional role by meeting agreed action plans in defined timelines;

Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on HireIncrease in volume of business Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies / infants. Infant loan which is less than 12 months NPA Ensure qualitative portfolio Ensure that there is no infant 12 months NPA Daily tasks Daily accessing the loan file Daily case discussion with Sales team Preparing credit underwriting for the cases assigned Personal discussion calls with customer financials & banking Decision making with predefined TAT Tele-verification calls to the customer

Regulatory Reporting- Team Member, Mumbai Department Credit Monitoring Team Location Mumbai Number of Positions 1 Role & Responsibility Policies / Process / Board note formation and Celling / Exposure monitoring Position Grade M6 / M7 Policy formation & implementation In charge of Pan Bank Board policy of credit department. Shall be responsible for drafting Board Policy for wholesale and retail credit. Shall also be responsible for drafting processes for implementation of such policy which get placed in Board level committees and other senior management committee. Should ensure that policy and processes are modified on timely basis in adherence to changes in RBI regulations and circulars. Analysing the market trends / practices and benchmarking of policies with the market. Interacting with cross functional teams, understanding the current practice and accordingly recommending the policy / process changes. Monitoring the implementation of signed off policies/ process, identifying gaps and taking corrective action. Limits/ Celling Monitoring Monitoring of NBFC exposure celling,Environmental, Social & Governance (ESG) celling and Group consolidation CAP of large exposure of the bank at frequent interval. Setting up the process for automating the process of celling / CAP monitoring and ensuring that output is as per requirement. Highlighting the derivation/ red alert in case any deviation or higher utilization of actual limit. Releasing frequent MIS to senior management. RBI indent / Audit requirement: Understanding RBI requirement and ensuring revert submission within timeline. Identifying department/ division of the bank for RBI revert and co-ordinating with team for revert submission. Providing data / information / explanation to RBI auditor, Statutory / internal and concurrent auditor as per requirement and within timeline. Tracking and implementing all the changes suggested by Regulator / Auditor. Masters degree (CA /CS/ MBA) in Finance,Accounting,Business Administration,or related field. At least 8 - 10 years of experience in credit underwriting or as a lead in policy / process team. Knowledge of Policy drafting, Credit Appraisal, Credit Monitoring or regulatory requirements. Experience in automation of manual process and monitoring the change. Analytical skills, proficiency in trend analysis and understanding of data flow in banking system. Written and verbal communication skill with the ability to present information clearly and concisely.

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships VP Position Grade M4/M5 Preparation of Credit Appraisal notes for MNC clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Job Title Credit Analyst Level M5 / M6 Division Commercial Real Estate Company KMBL No of positions 1 Location Mumbai Reporting to To be decided Reportee None Job Role Credit Analysis: Preliminary screening of commercial real estate financing transactions and structuring Interaction with in-house team (relationship, legal, technical and operations) to provide solution to clients in coordinated and timely manner. Interaction with client to understand their business model, organization structure and financing needs. Also resolution of queries and collection of information on ongoing basis Credit analysis & due diligence. Preparing Credit & Risk Assessment Notes (CRAN) for evaluating risk in borrower, transaction and underlying security and making initial recommendations Presenting the proposal to sanctioning authorities Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts Preparing term sheets Checking disbursements to ensure compliance with sanctioned terms Credit Surveillance: Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client. Keeping update on real estate micro markets, real estate developers, regulations and general economy Credit Administration: Ensuring the approvals are taken as per policies laid down and ensuring the internal polices on credit are not violated Ensuring and monitoring that no external regulations of lending as and when updated by the various institutions like RBI or other regulators are not violated Supervising and ensuring proper maintenance of credit files to avoid any operational risks Job Responsibility Credit Analysis & due diligence Job requirements Skills/Knowledge prerequisites A desire & attitude for understanding of real estate is essential Computer savvy with experience in Word, Excel, Access, Power point and other analytical tools. Conversant with financial modeling Knowledge of finance, accounting, corporate & general law and taxation The individual in this position must be results oriented and must possess excellent oral and written communication skills Educational Qualifications Chartered Accountant Experience Profile Upto 8-10 years of experience Personality Traits Analytical Bent of Mind Enthusiasm for Knowledge Dedication & Sincerity Towards Tasks Assigned Good Organizational Discipline Accuracy and Error Free Execution for Tasks Assigned Team player Salary range Fixed Variable As per company policy Target Companies Internal Group External Banks/HFCs/NBFCs/Real Estate Private Equity funds etc.

Wholesale Banking SME Portfolio Relationship Manager Grade Manager/Senior Manager/Chief Manager About the Business SME, part of Wholesale Banking Group, deals in corporates with turnover between fifty to five hundred crores. These new corporates have unique and challenging banking needs Specification What are the areas (in quantitative terms) the job has an impact on PRM will manage existing book. PRM will be doing limit enhancement, renewals and refer new to bank accounts. PRM will own the relationship and be a SPOC for all client needs. PRM will cross sell Trade, Forex and CMS solutions Key Deliverables New To Bank Accounts Growing the current book size Cross Sell Portfolio Profitability and Hygiene Relationships External clients Internal clients- BIU, Product, RMs, Leadership Team Qualification and Experience Graduate Preferably MBA or CA Job Skills Stays abreast of the key trends in identified markets and leverages that knowledge when engaging with customers Anticipates and analyses client needs and expectations Understands the importance of KOTAK ethics when dealing Understands the importance of and the principles of credit appraisal/risk at Kotak. Understand company financials

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

About The Role Credit Manager-Working Capital-Credit Bangalore, Karnataka, India JOB DESCRIPTION Job Role :As part of Credit Team for Working Capital Finance "¢ Managing team of Credit Managers "¢ Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) "¢ Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. "¢ Visiting customers for personal discussions and deal structuring "¢ Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained "¢ To evaluate proposals of customers for Home Loans, Loan against Property "¢ Decision making within defined TAT "¢ Understanding of property related aspects (like legal title and market value of the property) is an added advantage "¢ Coordinating with sales, operations, legal, technical and customer service Job Requirements: "¢ Qualification- CA with relevant underwriting experience "¢ Job Knowledge o Technical underwriting experience o Analytical skills "¢ Skills & Experience o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function Credit Card - Credit Role Credit Underwriters Designation M2 Grade CTC 4 Lakhs to 5 Lakhs max (do not disclose the CTC) Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location Goregaon & Thane (candidates staying about an hour max from office location). To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

Credit Manager-Business Loans-Credit Dehradun, Uttarakhand, India Be the First to Apply Job requirements: Function Credit Card - Credit Role Credit Underwriters Designation M2 Grade CTC 4 Lakhs to 5 Lakhs max (do not disclose the CTC) Experienced Minimum 2 years experience in Underwriting (preferably Credit Cards) Location Goregaon & Thane (candidates staying about an hour max from office location). To screening and evaluate customer proposals credit cards under various programs as per Cards Credit policy under various programs & KYC guidelines. Analysing financials and evaluating customer credit worthiness for approving or rejecting credit card applications. Maintaining and processing cases under defined TAT by Bank. Ensure to maintained acceptable audit quality report Co-coordinating with verification agencies to get timely verification reports, cross-verifying reports.

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

Job Role Assisting team in day to day tasks and coordinating with RMs for activities related to business. Document collection from client and to ensure completion of all the documents along with signatures and stamps. To ensure documentation is completed with utmost accuracy and to ensure the case is cleared in first pass. Coordinating with the internal teams for documentation to ensure smooth processing of client transactions. To ensure completion of disbursement process of a client will all formalities.

Strong Domain knowledge in Credit. Assessing the Credit Risk basis geography and security offered references and financials as well as facility structure. Proactively developing enterprise-wide risk Management strategies and practices for various HL transactions. Understanding on various operational, legal, technical, market and segment risk practice pertaining to HL Business. Delinquency Management along with business. Works in a fast paced office environment. Expected to travel to Customer locations on short notice to conduct meetings. Open to travel to 2 Locations i.e. Lucknow and Kanpur twice/ thrice in a week.

Location Credit Manager (KCC) Department Crop Loan Location Pune No.of Positions 1 Reporting Relationships AVP Position Grade M3/M4 Should be able to manage credit underwriting for agricultural loans across state for allotted locations Should have agriculture domain knowledge with financial viewpoint. Should be keen on details on proposals and presentation of information for logical conclusions. Should be able to on-board quality portfolio within min. TAT on proposals. Should be able to prepare and analyse various MIS and manage Portfolio quality and post finance issues. Should be able to understand the portfolio behaviour pocket wise/ area wise / segment wise /profile wise to get Right signals in time. Should stay updated on the recent changes in policy and regulatory guidelines ,aware about market developments Should have Ability to lead and coordinate with Marketing and Recovery Teams across Area. Should be able to communicate fluently in regional languages Should be able to guide and motivate the team to set higher standard in sales and assure Quality by in-time inputs and Training. Should be able to ensure the customer satisfaction and customer service from the team across the vertical Excellent written and oral communication skills Should have exposure to Crop Loans, financing experience with reputed organization- Private Banks/ Nationalized banks- Min 2 Years. Graduate - /Post Graduate Preferably Agri Graduate.

Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

Role & responsibilities Handling Credit operation from Login to Disbursement. Credit decision making for SF and forwarding proposals. Handling Credit and Operational issues. Monitoring vendors Like Field Investigating agencies, Valuation & Legal agencies for Two Wheeler loans and maintaining TAT. Taking care of audit queries and maintaining good audit score. Preparing MIS, Collection reports on daily basis and Weekly review reports. Assisting customers with queries, requests & complaints. Preferred candidate profile Graduate either fresher or candidates with 1 year experience in Credit Underwriting. Malayalam language is a Must. Knowledge on secured and unsecured loans.

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations Analyst Qualifications: Any Graduation Years of Experience: 3 to 5 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Perform account maintenance services, account closure, deceased customer processing and US legal order processing. What are we looking for Adaptable and flexibleProblem-solving skillsAgility for quick learningAbility to work well in a teamCommitment to quality Roles and Responsibilities: In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Perform account maintenance services, account closure, deceased customer processing and US legal order processing. What are we looking for Commitment to qualityStrong analytical skillsWritten and verbal communicationAdaptable and flexibleAbility to meet deadlines Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Position Purpose: The Credit Analyst is responsible for conducting comprehensive credit analysis and formulating recommendations on corporate advances to multinational corporations (MNCs). The role aims to ensure robust risk management while supporting business growth, by minimizing credit losses and enhancing credit quality in line with internal policies and regulatory requirements. Key Responsibilities 1. Credit Analysis & Proposal Preparation Prepare in-depth, accurate, and concise credit proposals that align with bank policies. Analyze financial statements, economic indicators, and industry trends to identify key risks and opportunities. Recommend appropriate internal credit ratings and Global Recovery Rates (GRR) using analytical tools and judgment. 2. Credit Risk Monitoring & Portfolio Management Monitor and review existing credit exposures through annual reviews, covenant checks, portfolio reviews, and security monitoring. Identify and report early warning signals, including changes in financials, covenants, or external events affecting client creditworthiness. Ensure timely updates of financial spreadsheets and monitoring tools. 3. Coordination & Communication Liaise with Relationship Managers, internal stakeholders, and global BNP Paribas networks to ensure efficient credit processes and timely execution of global reviews. Facilitate smooth credit operations and minimize overdue files through proactive coordination. 4. Client & Committee Engagement Present credit proposals to local credit committees. Accompany Relationship Managers on client meetings where necessary to gain a deeper understanding of client businesses and risks. Participate in deal structuring and discussion forums. 5. Compliance & Controls Ensure adherence to internal credit policies, regulatory requirements, and risk governance frameworks. Respond to regulatory and internal audit queries pertaining to credit-related matters. Contribute to the banks Permanent Control framework and support audits and reviews. 6. Additional Contributions Stay updated with evolving credit policies, tools, and methodologies. Participate in credit-related projects and system enhancements. Support administrative tasks including statistical reporting, sector analysis, and watchlist tracking. Provide back-up support to team members and assist Team Lead/Head with ad hoc requirements. Key Technical Competencies Strong financial statement analysis Credit risk assessment and transaction structuring Knowledge of industry sectors and financial products Risk monitoring and portfolio management Excellent written communication and report writing Proficient in Microsoft Office (Excel, PowerPoint, Word) Key Behavioral Competencies Strong analytical and critical thinking skills High attention to detail and organizational ability Ability to manage multiple priorities under pressure Good interpersonal and communication skills Collaborative and team-oriented mindset Independent thinker with sound judgment and creativity Adaptability to changing environments and priorities Compliance Requirements Familiarity with regulatory credit frameworks and guidelines Ensure compliance with internal policies and external regulatory standards ** Interested candidates drop your resume to saarumathi.r@kiya.ai **

Professional qualification Preferably CA or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Essential Experience To effectively handle a team of credit managers. To assist the Regional / Zonal Credit Head in planning, coordination and control on underwriting decisioning on retail lending proposals as per the product policy. To maintain the portfolio quality for his/her product and team in the location, while ensuring adherence to the policy/process laid out by the central team on all applications being processed. Responsible for positively impacting client experience by maintaining the underwriting TAT for team. To monitor nonstarters/cheque bounce trends, maintain adequate knowledge of channels and their sourcing pattern. To ensure audit compliance and regulatory compliance for the location. To analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution. To interact with customers to obtain additional credit information to support credit lines. To develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds. To implement effective risk monitoring mechanism with existing clients Competencies Excellent organizational skills Result driven and customer focused Good understanding of financial analysis Analytical skills Experience 5+ Yrs Essential Skills and Attitudes Excellent oral and written communication skills Excellent presentation skills

Professional qualification Preferably CA or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Essential Experience To effectively handle a team of credit managers. To assist the Regional / Zonal Credit Head in planning, coordination and control on underwriting decisioning on retail lending proposals as per the product policy. To maintain the portfolio quality for his/her product and team in the location, while ensuring adherence to the policy/process laid out by the central team on all applications being processed. Responsible for positively impacting client experience by maintaining the underwriting TAT for team. To monitor nonstarters/cheque bounce trends, maintain adequate knowledge of channels and their sourcing pattern. To ensure audit compliance and regulatory compliance for the location. To analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution. To interact with customers to obtain additional credit information to support credit lines. To develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds. To implement effective risk monitoring mechanism with existing clients Competencies Excellent organizational skills Result driven and customer focused Good understanding of financial analysis Analytical skills Experience 5+ Yrs Essential Skills and Attitudes Excellent oral and written communication skills Excellent presentation skills

Professional qualification Preferably CA or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market. Essential Experience Approve / Recommend Mortgage ( LAP) & Housing loan applications. Ensuring error free underwriting of loans in line with approved processes and policy guidelines Monitor & train the Jr. Resources in the team keeping role succession planning & achieving the TAT. Ensure meticulous compliance with internal credit policy as well as regulatory guidelines. Ensure compliance with the benchmark Turnaround Time. Manage ,supervise and provide guidance to the vendor agencies like legal and technical to get the desired and quality output. Doing PD for decision of cases basis of document provided Co-ordination with branches, Legal & Technical team and Ops team Feedback to management on policy as well process changes to be done Update branch with current status of files Overall portfolio quality of cases underwritten PDD management , tracking and submission of the disbursed cases Competencies Excellent organizational skills Result driven and customer focused Good understanding of financial analysis Analytical skills Experience 3 - 5+ Yrs Essential Skills and Attitudes Excellent oral and written communication skills Excellent presentation skills