Credit Manager - Loan Against Property - Prime - Ajmer - Asha Grand - JM

You will be responsible for underwriting and managing the portfolio in the assigned branch or location. This involves reviewing and assessing a variety of complex loan applications within specified guidelines, making decisions, or recommending them for approval to higher authorities. You will underwrite proposals according to established policies and procedures to meet agreed service level agreements and manage business volumes in the city or area. Your role will also include conducting personal discussions with customers to determine their creditworthiness, ensuring completion of credit and KYC documents, and conducting verification through telephonic, field, and collateral visits. You will need to assess income to obligation ratios, have a deep understanding of the rationale behind ratio calculations, and comprehend their impact on loan performance throughout the loan tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster, as well as providing regular reports, will be part of your responsibilities. Building and leveraging effective relationships with third parties to achieve optimal outcomes for clients is crucial. You will need to take ownership of client queries, apply industry knowledge and experience to solve problems, exceed service quality standards, and continuously seek process improvements. Furthermore, you will be required to critically review credit proposals to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation measures are in place to support approving authorities in decision-making is essential. Collaborating closely with the sales team, you will enable quick turnaround times for credit lending proposals and conduct ongoing reviews of credit exposures to maintain their bankability. Your role also involves overseeing the credit underwriting function of your branch, ensuring efficient credit lending proposal processing in coordination with local credit analysts and the sales team. Throughout the pre-sanction to post-disbursement phases, you will monitor client and collateral creditworthiness, taking necessary risk mitigation steps while adhering to legal and documentation norms and policies. Educational Qualification: Post Graduate/ Graduate in any discipline,