Credit Manager

Role Overview: You will be responsible for credit delegation authority within the policy framework. Your role will involve interpreting credit bureau reports, assessing financial statements, evaluating financial ratios, and analyzing bank statements to determine financial eligibility. Additionally, you will ensure timely processing of loan applications, increase underwriting efficiency, and monitor market factors impacting credit decisions. People management and self-management responsibilities include working closely with other departments, vendor management, and providing regular training for quality improvement. You will also be accountable for audit and regulatory compliance, maintaining credit quality, and exercising credit authority delegation. Key Responsibilities: - Credit delegation authority within policy framework - Interpret credit bureau reports, assess financial statements, evaluate financial ratios - Ensure timely processing of loan applications - Increase underwriting efficiency and reduce reworks - Follow up with sales counterparts for pending cases - Check data entry quality and provide feedback - Conduct customer verification and visits - Monitor market factors impacting credit portfolio - Create high-quality portfolio - Ensure proper covenant management - Interact with other functions for smooth delivery of objectives - Manage risk vendors and provide regular training for quality improvement - Ensure audit and regulatory compliance - Maintain credit quality and exercise credit authority delegation Qualifications Required: - MBA or CA with a minimum of 3 years of underwriting experience - Experience in credit underwriting of Housing/mortgage loans preferred (Note: No additional details of the company were provided in the job description) Role Overview: You will be responsible for credit delegation authority within the policy framework. Your role will involve interpreting credit bureau reports, assessing financial statements, evaluating financial ratios, and analyzing bank statements to determine financial eligibility. Additionally, you will ensure timely processing of loan applications, increase underwriting efficiency, and monitor market factors impacting credit decisions. People management and self-management responsibilities include working closely with other departments, vendor management, and providing regular training for quality improvement. You will also be accountable for audit and regulatory compliance, maintaining credit quality, and exercising credit authority delegation. Key Responsibilities: - Credit delegation authority within policy framework - Interpret credit bureau reports, assess financial statements, evaluate financial ratios - Ensure timely processing of loan applications - Increase underwriting efficiency and reduce reworks - Follow up with sales counterparts for pending cases - Check data entry quality and provide feedback - Conduct customer verification and visits - Monitor market factors impacting credit portfolio - Create high-quality portfolio - Ensure proper covenant management - Interact with other functions for smooth delivery of objectives - Manage risk vendors and provide regular training for quality improvement - Ensure audit and regulatory compliance - Maintain credit quality and exercise credit authority delegation Qualifications Required: - MBA or CA with a minimum of 3 years of underwriting experience - Experience in credit underwriting of Housing/mortgage loans preferred (Note: No additional details of the company were provided in the job description)