Credit Manager - Loan Against Property - Prime - Delhi - Dashmesh Niwas

As a Credit Underwriter, you will be responsible for reviewing and assessing a wide range of complex loan applications within defined guidelines. You will need to make decisions or recommend approval to higher authorities based on your underwriting expertise. It is essential to underwrite proposals in adherence to policies and procedures to meet agreed service level agreements and effectively manage business volumes in your assigned city or area. Your role will involve conducting personal discussions with customers to evaluate their creditworthiness. This includes ensuring the completion of credit and KYC documents through telephonic conversations, field visits, and collateral inspections. You must possess a deep understanding of income to obligation ratios, their calculation rationale, and the impact on loan performance over the tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operation-related MIS for the cluster will be part of your responsibilities. You are expected to build and nurture strong relationships with third parties to deliver optimal outcomes for clients. Handling client queries, leveraging industry knowledge, and problem-solving skills are crucial aspects of this role. An important aspect of your job is to conduct a thorough review of credit proposals to identify industry, business, financial, management, and facility structure risks. You will work towards ensuring adequate collateral and credit risk mitigation measures to support decision-making by approving authorities. Collaboration with the sales team is vital to achieving quick turnaround times for credit lending proposals. Continuous monitoring of credit exposures, documentation of proposals, and assessing client and collateral creditworthiness throughout the credit lifecycle are significant responsibilities. Your role includes managing the credit underwriting function of your branch and facilitating prompt processing of credit lending proposals in partnership with local credit analysts and the sales team. Educational Qualification: Post Graduate/ Graduate in any discipline.,