Credit Manager- (Home loan)

Role & responsibilities

• Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility of hubs and service centers
• Customer Interaction to understand needs, finds solutions within the product range available.
• Calculation of Net Present Values of maturing assets using excel sheets or programs.
• Knowledge of basic legal documentation involved in an acquisition of a home.
• Knowledge of technical fundamentals involved in an acquisition of a home.
• Cash flow method of assessment of NRI Loans, Ability to assess a Self Employed Loan Supervision and performance management of all team members

Supervision of all the activities done by Non-Sales Staff / coordinators:

• Sanctioning

  : - File processing by coordinator within the time, Customer Calling, Query resolving, File login at HDFC, Faster Sanction, keeping a check on TAT for Login & Sanction., Checking the Quality of Calls to Customers & Processing by coordinators.

• Disbursement:

  - Customer calling after Sanction of Case, Disbursement Follow-up with Customer & Sales force, and Technical Update for Disbursement, Resolving Legal Queries, and Fixing of Disbursement, Keeping a Check on TAT of Legal Update, Technical Update, and Disbursement Fixing.

• Project Approval

  Creation of Property No, Query Resolving, Builder Appointment, Project Approval, Keeping a Check on TAT of Project Approval.

• LMS

  Timely Updating the Leads into LMS, Proper Follow-up on the next scheduled action date, Auditing of Leads, feedback & status.

Preferred candidate profile

• Must be an MBA or CA (finance or banking background preferred)
• Should have risk assessment skills along with vast experience in the field of underwriting
• Hands on experience in self-employed assessment.
• Must have minimum 2-3 years of team handling experience
• In depth understanding from sourcing to disbursement.
• Effective communication skills (verbal & written)
• At least 4 years of experience in the credit assessment field from home loan industry
• Solution orientation and ability to work under strict deadlines
• Should be willing to travel on a needed basis.