626 Credit Assessment Jobs - Page 6

About The Role JD - Location Credit Manager 1. Credit Assessment & Underwriting Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine creditworthiness. Perform due diligence, including Customer meeting, tele verification check, CIBIL/credit bureau checks, banking analysis, and market references. Ensure that loan proposals align with the company's credit policy and risk appetite. 2. Loan Processing & Decision Making Approve loan applications within the designated authority limit and recommend higher-value proposals as required. Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement. Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies. 3. Risk & Portfolio Management Monitor the portfolio for early warning signals, delinquencies, and fraud detection. Work closely with the collections team to ensure timely follow-ups on overdue accounts. Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book. 4. Compliance & Audit Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements. Maintain proper documentation and ensure audit readiness at all times. Work with internal and external auditors to ensure smooth audit processes. 5. Stakeholder & Team Management Provide training and guidance to sales and credit teams on loan policies and credit evaluation. Collaborate with business teams to ensure a balance between growth and risk management. Engage with legal and technical vendors for smooth processing of loan approvals. Key Skills & Competencies Strong understanding of LAP & Affordable Housing Loans underwriting. Knowledge of legal & technical aspects related to property financing. Experience in credit risk assessment, financial analysis, and portfolio monitoring. Familiarity with CIBIL, CRIF, and other credit assessment tools. Attention to detail, decision-making ability, and problem-solving skills. Excellent communication and stakeholder management skills.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 0-6 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in credit management software and systems. Strong attention to detail and organizational skills.

We are looking for a highly motivated and results-driven Tele Calling Executive to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have excellent communication skills and the ability to work in a fast-paced environment. Roles and Responsibility Handle customer inquiries and resolve issues professionally. Make outbound calls to promote products and services. Build strong relationships with customers through effective communication. Meet or exceed sales targets consistently. Provide exceptional customer service and ensure satisfaction. Collaborate with internal teams to achieve business objectives. Job Requirements Any graduate degree from a recognized university. Proven experience in telecalling or telemarketing is required. Excellent communication and interpersonal skills are essential. Ability to work in a target-oriented environment and meet deadlines. Strong problem-solving skills and attention to detail are necessary. Familiarity with banking products and services is an added advantage.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-4 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit underwriting, risk management, and financial analysis. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit portfolios and developing credit strategies.

We are seeking a qualified Bank Officer - CA to join our dynamic team in India. The ideal candidate will have 2-6 years of experience in banking or finance, with a strong understanding of financial analysis, compliance, and customer service. Responsibilities Evaluate loan applications and assess creditworthiness. Conduct financial analysis and prepare reports for management. Assist in the development and implementation of bank policies and procedures. Provide excellent customer service and assist clients with their banking needs. Ensure compliance with regulatory requirements and internal controls. Collaborate with other departments to streamline processes and improve customer satisfaction. Skills and Qualifications CA qualification is mandatory. 2-6 years of relevant experience in banking or finance. Strong analytical and problem-solving skills. Proficient in financial modeling and forecasting techniques. Knowledge of banking regulations and compliance standards. Excellent communication and interpersonal skills. Ability to work under pressure and meet tight deadlines.

• Performing a detailed credit analysis of a borrower, understand Cibil, financial statements, banking and practical credit evaluation parameter. • Evaluate customer loan eligibility for Solar Financing Solutions for retail and commercial clients.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-3 years of experience in the BFSI industry, preferably in micro mortgages. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess client needs and provide personalized solutions. Develop and implement strategies to increase sales and revenue growth. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Strong knowledge of micro mortgage products and services. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with financial regulations and compliance requirements. Experience in relationship management and sales strategy development.

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-3 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Ensure compliance with regulatory requirements and industry standards. Job Requirements Strong knowledge of credit underwriting, risk management, and financial analysis. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit software and systems. Strong analytical and problem-solving skills. Experience in managing credit teams and driving business growth.

About The Role Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit JOB ROLE Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role JOB ROLE: Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies.JOB Requirement: 3 to 8 years MBA (Finance)/CACredit Analyst/Credit Manager

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelor"s degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

JD - Relationship Manager-Bharat Business The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Customer Relationship Management: Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Credit Assessment: Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Sales Target Achievement: Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Market Intelligence: Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with company"s risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelor"s degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

About Us At ANZ, we are dedicated to shaping a world where people and communities thrive, united by a common objective: to enhance the financial wellbeing and sustainability of our vast customer base. About The Role As a Credit Assessment Officer at ANZ, you play a vital role in fulfilling our mission of shaping a world where people and communities thrive. Join our supportive and collaborative Home Loan Assessment Team, where your well-balanced judgement and communication skills will be instrumental in assisting customers on their home ownership journey. Your primary aim will be to ensure that banking with ANZ remains accessible, simple, and convenient. Your responsibilities will include conducting credit assessments for home loan applications received through third-party brokers and ANZ mobile lending channels within agreed Service Level Agreements (SLAs), in collaboration with other dedicated ANZ team members. You will evaluate applications in accordance with ANZ's policies and regulatory obligations, and may exercise judgement through a delegated credit authority. Banking is evolving, and at ANZ, we are evolving with it, offering our employees exciting opportunities to explore new horizons, learn, and develop professionally. Regardless of your role at ANZ, you will be shaping your future while contributing to the growth of our organization. Role Type: Permanent Role Location: Manyata Tech Park, Bengaluru Work Hours: 5.00 am - 2.00 pm What will your day look like In the role of a Credit Assessment Officer, your key accountabilities will be: - Applying lending/credit policy and product guidelines, and in some cases, exercising sound judgement to assess the creditworthiness of home loan applications - Adhering to Group Credit Policy and ensuring compliance with all relevant legislation concerning responsible lending obligations to strike a balance between risk and reward - Analyzing and reviewing customer requests by collecting all pertinent information/data, exploring all available sources of information thoroughly - Ensuring proper procedures are followed to effectively manage non-financial and operational risks What will you bring To excel in this role, you should possess: - Demonstrable experience in the Banking/Financial services industry and a solid understanding of retail/commercial products - CAD (Credit Approval Discretion) or equivalent delegation is advantageous - Strong verbal and written communication skills, enabling you to cultivate positive interactions with internal and external stakeholders, conduct workshops, inquiries, and negotiations effectively to ensure a positive customer experience - Problem-solving and analytical skills, attention to detail, and the ability to discern when issues necessitate escalation While you are not expected to have all of these skills, at ANZ, we value a growth mindset as an integral part of our culture. If most of these attributes are within your skill set, we encourage you to apply. So why join us (Bengaluru GCC) ANZ is a dynamic workplace where significant achievements are made through collaborative efforts to provide banking and financial services across more than 30 markets. With a workforce of over 7,500 individuals, our Bengaluru team stands as the bank's largest technology, data, and operations center outside Australia. Operating for more than 33 years, this center plays a critical role in executing the bank's strategy and creating a positive impact for millions of customers worldwide. The Bengaluru team not only spearheads the bank's transformation initiatives but also nurtures a culture that makes ANZ an exceptional place to work. We take pride in fostering an environment where individuals can be themselves, with 90 percent of our employees feeling a strong sense of belonging. Recognizing that our employees have diverse needs to excel in their roles, we offer various flexible working options, including hybrid work arrangements where feasible. Our employees also benefit from a range of perks, including access to health and wellbeing services. We are committed to promoting diversity in the workplace and invite applications from all individuals. If you require any accommodations during the recruitment process or within the role itself, please inform us. If you are a candidate with a disability or specific access requirements, let us know how we can offer you additional support. To learn more about career opportunities at ANZ, visit our Careers page at https://www.anz.com/careers/. You can apply for this position by visiting ANZ Careers and searching for reference number 90879. Job Posting End Date 27/03/2025, 11.59 pm (Melbourne, Australia),

As an Area Credit Manager at Real Touch Finance Ltd, you will play a crucial role in managing credit operations and mitigating credit risks within the designated area of Tiruvallur. Your responsibilities will include overseeing credit management processes, utilizing analytical skills to assess risks, and ensuring compliance with financial regulations. To excel in this role, you should possess strong credit management and credit risk management skills, along with a solid foundation in finance and analytical capabilities. Your experience in credit assessment and risk evaluation will be instrumental in making informed decisions and maintaining a healthy credit portfolio. Having a deep understanding of financial markets and regulations is essential to navigate the complexities of the finance industry effectively. Your excellent communication and interpersonal skills will enable you to collaborate with various stakeholders and build strong relationships within the organization. Ideally, you should hold a Bachelor's degree in Finance, Accounting, Business, or a related field to demonstrate your academic foundation in finance. Certifications in Credit Management or a related field would be considered advantageous and showcase your commitment to continuous learning and professional development. Join our team at Real Touch Finance Ltd and be a part of our mission to empower customers and drive financial inclusion and growth. Shape a brighter financial future with us as we work together to make a positive impact in the world of finance.,

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively

As a Relationship Manager in SME Banking at Standard Chartered, you will play a crucial role in managing and nurturing relationships with mid-sized and emerging corporates to drive business growth and achieve the bank's strategic objectives. Your primary focus will be on delivering exceptional customer service by offering tailored financial solutions while effectively managing operational risks and ensuring compliance with regulatory requirements. Your responsibilities will include: - Meeting individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters. - Contributing to the overall team targets and maximizing portfolio return. - Collaborating with various stakeholders such as other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, Client Due Diligence colleagues, and partners in Risk, Compliance, and other support functions to build effective partnerships. To excel in this role, you should possess: - At least 5 years of relevant experience in serving Business, Commercial, and Corporate clients. - Experience in servicing cross-border international businesses. - A proven track record in client relationship management and business development. - Strong understanding of accounting principles, financial modeling, and financial statement analysis. - Ability to assess client creditworthiness and provide key risk considerations and mitigations. - Sound product knowledge in trade, cash, lending, and FX. - Deep understanding of local industries, supply chains, market environment, operational procedures, documentation requirements, banking practices, and regulations related to SME Banking. - Strong grasp of business guidelines, compliance issues, financial markets, and investment products. - Excellent communication and presentation skills. - Motivated self-starter with a knack for identifying opportunities and providing innovative solutions to meet client needs. - Upholding a high standard of personal conduct and embodying the bank's valued behaviors. Standard Chartered is an international bank committed to making a positive impact on its clients, communities, and employees. If you are seeking a purpose-driven career with a bank that values diversity and inclusion, we invite you to join our team. Embrace the opportunity to grow, challenge the norm, and contribute to our mission of driving commerce and prosperity through our unique diversity. In addition to a supportive and inclusive work environment, we offer: - Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits in select locations. - Generous time-off benefits including annual leave, parental/maternity leave, sabbatical, and volunteering leave. - Flexible working arrangements that cater to both home and office locations. - Proactive wellbeing support through digital platforms, development courses, Employee Assistance Programme, and mental health resources. - Continuous learning opportunities for personal and professional growth. - A values-driven organization that celebrates diversity and empowers employees to reach their full potential. Join us at Standard Chartered and be part of a team that values integrity, innovation, collaboration, and long-term sustainability.,

Roles and Responsibilities Manage a portfolio of Home Loan/LAP/Micro Business Loans, ensuring timely recovery and minimizing defaults. Conduct thorough credit assessments, appraisals, and underwriting for new loan applications. Develop and maintain relationships with existing customers to identify cross-sell opportunities and improve customer satisfaction. Collaborate with internal teams to resolve issues related to loan processing, documentation, and disbursement. Analyze market trends and competitor activity to stay updated on industry developments. Desired Candidate Profile 8-10 years of experience in Portfolio Credit Management (Home Loan/LAP/Micro Business Loan). Strong understanding of credit underwriting principles, policies, and regulations. Excellent communication skills for effective customer interaction and relationship-building. Ability to analyze complex financial data to make informed lending decisions. Interested candidate can directly mail us their Resume on rajeshwari.bamane@aubank.in

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Undertake ABL portfolio monitoring – ABL assessment notes and collateral monitoring Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Review outputs to be delivered by junior analysts, responsible for quality underwriting and workflow management Team management, stakeholder management Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively Train new and junior resources

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Undertake ABL portfolio monitoring – ABL assessment notes and collateral monitoring Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Review outputs to be delivered by junior analysts, responsible for quality underwriting and workflow management Team management, stakeholder management Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively Train new and junior resources

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively

Job Requirements Regional Credit Manager Regional Credit Manager will be responsible for overseeing the credit assessment and underwriting process for property-backed loans within the designated region. Responsibilities: - Evaluate and analyze credit applications for loan against property in accordance with the bank's credit policies and procedures - Conduct thorough due diligence on property valuations, legal documentation, and customer creditworthiness - Manage a team of credit analysts and underwriters to ensure timely and accurate processing of loan applications - Collaborate with sales and business development teams to assess potential risks and opportunities in the market - Monitor and review the credit portfolio performance, identifying potential areas of improvement and risk mitigation strategies - Ensure compliance with regulatory requirements and internal credit policies Skills: - Bachelor's degree in finance, business administration, or related field - Proven experience in credit assessment and underwriting for loan against property, preferably in a banking or financial institution - Strong knowledge of property valuation, legal documentation, and credit risk analysis - Excellent leadership and team management skills - Ability to make sound credit decisions and manage risk effectively - Proficiency in using credit assessment tools and software - Strong communication and interpersonal skills,

Responsibilities: * Conduct credit analyses using established guidelines * Collaborate with sales team on new business opportunities * Evaluate credit risks through thorough analysis Health insurance Annual bonus Provident fund

Responsibilities: * Conduct credit analyses and assessments * Collaborate with sales team on new opportunities * Manage credit portfolio performance * Oversee credit ops processes * Ensure compliance with policies and procedures Annual bonus