Credit Manager

SRG HOUSING FINANCE (SRGHFL)

2 - 5 years

4 - 5 Lacs

kurnool

Posted:1 day ago| Platform:

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Skills Required

housing loan credit credit underwriting credit evaluation credit risk analysis loan against property housing finance credit operations secured loan mortgage credit monitoring credit assessment

Work Mode

Work from Office

Job Type

Full Time

Job Description

Key Roles and Responsibilities:

Credit
Risk appraisal & evaluation of Loan proposals. Subsequent recommendation to

appropriate level as per extant delegation.

Evaluation & approval of loan disbursements.
Document and KYC verification, PDD tracking, and closure as per norms.
Monitoring and periodic review of portfolio & supervising the overall Risk &
Credit
checks/controls.
Ensuring the compliances for the purpose of post disbursement monitoring. Monitoring of cost / Cash Flow / Budgets, Escrow monitoring & loan covenants.
Develop Vendors & Supply Chain for addressing
Credit
risk needs
Location & site visits whenever required and evaluate the quality and adherence to the policy norms.
Providing inputs on system capability and other processes within a reasonable TAT.
To have a sound knowledge of the market in terms of risks associated with the product and prevalent market practices in the area of operation.
Ensuring compliance with company policies and regulations.
Applying credit scoring models and underwriting guidelines.

Desired Candidate Profile:

Candidate should have prior experience in Home Loans/Lap/Mortgages.
Must demonstrate capability to manage team and take additional responsibilities.
Candidate must be flexible in visiting sites and locations.
Decent communication Skills
Sound knowledge of policies / lending frameworks followed for this product.

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