Credit Manager-Affordable Housing Finance-Credit

As a Credit Assessment and Risk Management professional, you will be responsible for evaluating loan applications and determining the creditworthiness of applicants by analyzing financial data and other relevant factors. This includes performing a detailed analysis of financial statements, bank statements, and credit reports to make informed decisions. Your role will also involve identifying, analyzing, and mitigating potential credit risks to protect the financial interests of the organization. It is essential to ensure compliance with internal credit policies and regulatory guidelines to maintain a sound credit portfolio. In addition, you will be required to conduct periodic portfolio reviews to proactively identify any early warning signals and take necessary actions. Collaboration with sales and operations teams is crucial for the smooth processing of loan applications and timely approvals. Within delegated authority limits, you will have the responsibility to approve or recommend loans based on your assessment. Effective communication and coordination with legal and technical teams will be vital for the finalization of loan agreements. Overall, your expertise in credit assessment, risk management, and loan approval processes will play a key role in maintaining a healthy credit portfolio and contributing to the financial success of the organization.,