Credit Manager-Mortgage Rural

Role Overview: As a Credit Manager - Mortgage Rural, your primary responsibility will be managing the entire credit application process for Mortgage products, from login to disbursement. You will play a crucial role in ensuring the quality of the portfolio by assessing the creditworthiness of consumers, completing verifications, and adhering to the company's credit policy. Your tasks should be executed in a manner that supports sales while mitigating risks and contributing to the bank's organizational objectives. Key Responsibilities: - Underwrite secured and unsecured loan proposals according to policies and procedures to meet SLAs and manage business volumes effectively. - Conduct personal discussions with customers to evaluate their creditworthiness. - Proactively manage front-end delinquencies by contacting customers on first presentation. - Ensure completion of credit/KYC documents and conduct verifications through telephonic, field visits, and collateral inspections. - Collaborate with sales teams to achieve targets and uphold SLAs. - Adhere to credit policy standards and escalate proposals as necessary for approval. - Monitor retail credit portfolio performance regularly and provide recommendations for adjustments. - Work with Collections to reduce net credit loss and delinquency by identifying trends and taking corrective actions. - Recommend process enhancements to improve service efficiency and quality. - Suggest improvements to processes and policies in Retail Banking to drive operational efficiencies and enhance customer service. Qualification Required: - Graduation in any field. Additional Details: You should have at least 2 years of experience in credit to be eligible for this role.,