Credit Manager-Mortgage Rural

As a Credit Manager - Mortgage Rural within the Credit - Mortgage department, your primary responsibility will be to oversee the complete credit application process for Mortgage products. You will be actively engaged in evaluating the creditworthiness of consumers, ensuring adherence to company credit policies, and maintaining the quality of the portfolio. Your role will involve direct interaction with customers to establish their creditworthiness through verifications and compliance with set guidelines. Your key responsibilities will include underwriting secured and unsecured loan proposals, conducting personal discussions with customers, managing front-end delinquencies, coordinating with sales teams to achieve targets, and ensuring compliance with credit policies. You will also collaborate with Collections to minimize credit loss and delinquency metrics by identifying trends among delinquent customers and proposing corrective actions. Additionally, you will be responsible for reviewing and approving credit proposals, monitoring the retail credit portfolio performance, recommending process enhancements for service quality and efficiency, and suggesting improvements in policies to enhance operational effectiveness and customer service standards. To qualify for this role, you should possess a Graduation degree in any field and have at least 2 years of relevant experience.,