Credit Manager - Prime LAP

MAS Financial Services

3 - 8 years

3 - 8 Lacs

indore ahmedabad rajkot

Posted:1 month ago| Platform:

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Skills Required

credit underwriting credit analysis credit appraisal underwriting mortgage loans mortgage underwriting secured business loan

Work Mode

Work from Office

Job Type

Full Time

Job Description

Role & responsibilities

Oversee the origination of
Secured Business Loans (Loan Against Property)
from initial inquiry to loan approval.
Ensure compliance with MASs credit policies and industry regulations.
Structure loan offers in alignment with the customer’s financial, repayment capacity, and risk appetite.
Assess the financial viability of businesses applying for secured loans.
Collaborate with legal and technical teams to evaluate property valuations and documentation.
Monitor and review the loan portfolio periodically to identify early signs of delinquency.
Identify potential risks in existing loans and take proactive measures to reduce defaults.
Propose and implement improvements to credit policies and procedures for effective risk mitigation.
Provide guidance and training to junior credit officers on loan processing and risk assessment.
Utilize digital tools for processing and monitoring LAP loans to enhance efficiency and reduce manual work.
Work towards reducing operational expenses related to underwriting, documentation, and loan monitoring.

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