Credit Manager - Car Finance

As a Loan Underwriter, your primary responsibility will be to review and assess a wide variety of complex loan applications within the established guidelines. Based on your assessment, you will have the authority to make decisions or recommend them for approval to higher authorities. You will also be required to underwrite proposals in adherence to the defined policies and procedures to meet the agreed Service Level Agreements (SLAs) and effectively manage the business volumes in your assigned city or area. Conducting personal discussions with customers will be a crucial aspect of your role to evaluate their creditworthiness. This will involve ensuring the completion of credit and KYC documents, as well as conducting verification through telephonic conversations, field visits, and collateral inspections. Additionally, you will need to assess income to obligation ratios, possess a deep understanding of the rationale behind these calculations, and comprehend their impact on loan performance over the loan tenure. Maintaining various Management Information System (MIS) reports related to the portfolio, delinquency, and other operations of the cluster will be part of your regular responsibilities. You will be expected to build and leverage effective relationships with third parties to achieve the best outcomes for clients. Taking ownership of client queries, utilizing industry knowledge and experience to address challenges, and striving for continuous process improvement are essential aspects of this role. You will play a critical role in reviewing credit proposals thoroughly to identify industry, business, financial, management, and facility structure risks. Ensuring adequate collateral and other credit risk mitigation measures will be necessary to assist the approving authority in making informed decisions on credit proposals. Collaboration with the sales team to facilitate quick turnaround times for credit lending proposals and conducting ongoing reviews of credit exposures to maintain their bankability will be vital tasks. Facilitating the review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking necessary steps for risk mitigation will be part of your responsibilities. Managing the credit underwriting function of your branch, ensuring a quick turnaround of credit lending proposals through coordination with local credit analysts and the sales team, will be crucial for the efficient functioning of the branch. For this role, a Post Graduate or Graduate degree in any discipline is required.,