Credit Manager - Mortgage (HL/LAP)

Job description: Credit Manager

Knowledge

• Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility.
• 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 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 Updation for Disbursement, Resolving Legal Queries, and Fixing of Disbursement, Keeping a Check on TAT of Legal Updation, Technical Updation, 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 Updation of Leads into LMS, Proper Follow-up on the next scheduled action date, Auditing of Leads, feedback & status.

Skills

• Effective communication skills
• Analytical & Managerial abilities
• Must be an MBA or CA (finance or banking background preferred)
• At least 4 years of experience in the credit assessment field from home loan industry
• Solution oriented, Ability to work under time pressure
• Good organization skills
• Positive attitude.

amitgohil@hdfcsales.com