Credit Manager - Housing Finance

Job Purpose / Summary:

The role bearer has the responsibility to manage sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verification and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.

Duties and Responsibilities:

• Ensuring compliance with the Credit Policy and processes within TAT Responsible for Credit underwriting and Credit Appraising of Home Loans.
• Review all customer proposals in the area to ensure all documentation is done properly and entire legal and customer evaluation process has been followed.
• Ensure adherence to credit Process & Policies
• Maintaining quality of credit information, underwriting standards and presentation
• Should have ability to do due diligence.
• Coordinate with Legal Team and Technical Team on regular basis to ensure fast disbursement process.
• Monitor customers loan payments
• Negotiate loan terms with new customers
• Customer visit and discussions to assess the loan requirement.

Experience / Skillset / Certifications Required:

• Educational Qualification- Chartered Accountant/ MBA (Finance) from reputed institutes, Graduate with IIBF / Moody's Credit Certification
• Relevant Job Experience- Minimum 3-5 years of relevant experience in handling Credit Underwriting Housing Finance.
• Candidate must have received at least one Appraisal/ PMS / Increments FY 2024 & FY 2025 .
• Location : Nasik, Kolhapur, Pune and Nagpur.

Note: Early Joiners will be given preference.