Credit Manager - Loan Against Property - Prime

You will be responsible for underwriting and managing the portfolio in the assigned branch/location. This includes reviewing and assessing a broad range of complex loan applications within defined guidelines, making decisions or recommending for approval to higher authorities. You will underwrite proposals according to laid-down policies and procedures to meet agreed SLAs and manage city/area business volumes. Conducting personal discussions with customers to establish creditworthiness, ensuring completion of credit/KYC documents and verification through telephonic, field, and collateral visits will be part of your role. Your duties will also involve assessing income to obligation ratios, having an in-depth knowledge of the rationale behind the calculation of ratios, and understanding their impact on loan performance during the tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster while regularly reporting them is crucial. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients is essential. You are expected to take ownership of client queries, using industry knowledge and experience to overcome challenges and solve problems. Striving to exceed service quality standards, aiming for continuous process improvement, and undertaking a critical review of credit proposals are key responsibilities. Ensuring collateral and other credit risk mitigation to facilitate the approving authority's decision-making process is vital. Facilitating a quick turnaround time of credit lending proposals for the business in liaison with the sales team, ongoing review of credit exposures to ensure bankability, and managing the credit underwriting function of the branch are part of your duties. You will also be responsible for documenting proposals effectively, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking steps for risk mitigation when necessary while ensuring adherence to legal and documentation norms and policies. Your educational qualification should be a Post Graduate/Graduate in any discipline.,