924 Credit Policy Jobs - Page 6

ROLEPURPOSE & OBJECTIVE Underwrite Micro Mortgage in both SFB and URC branches Sanctionor recommend loans up to Rs. 10 Lakh with proper justificationbased on the product features and credit policy matrix Ensurecredit policies and processes of secured products of Micro /Rural banking vertical are followed effectively by branch staff Coordinatewith legal and technical vendors for their expert opinion reports EnsureLegal opinion and technical valuation reports are interpretedproperly while sanctioning these secured loans Interpretationof Property documents (Residential/commercial property), aware ofthe property value as per market and government value for LTV Conductthe risk assessment of the c...

GRADE - SM DEPARTMENT - Credit SUB-DEPARTMENT - MSME REPORTS TO - Area Credit Manager LAP-MSME REPORTING INTO - Credit Officer ROLE PURPOSE & OBJECTIVE Expert knowledge of assessing credit risk for large ticket size cases up to Rs. 1 Cr. Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash flows of self-employed borrowers. Assess financial ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. Provide Market intelligence from competition and customers stand point Recommendations on new processes & fraud Control initiative etc. SIZE OF THE ROLE FINANC...

Business Underwrite Micro Mortgage in the field through thorough assessment and personal discussion with borrower and / or co-borrower Underwrite IL loans in SFB and URC branches to understand the geography and segment Sanction or recommend secured loans up to Rs. 10 Lakh with proper justification as per product features, credit policy and based on approval rights Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan Assess repayment capacity, character and cash flow of the applicant. Conduct reference checks with customers /suppliers / vendors / dealers. Ensure collection of relevant and proper documents. Ensure...

10795 To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculatio...

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate/ Graduate in any discipline 1. Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers.2. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework3. Assess customers sourced by the Sales team a...

o Support and co-partner with business teams to manage end to end credit approval for the designated regiono Underwrite for all customer segment for retail and high value cases and present to senior levelo Authorize deviations raised and documented by underwriters in compliance with credit policy.o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.o Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level.o Ensure timely completion of personal discussion documents through customer visits if required. Oversee and ini...

Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through field visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Comply...

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of r...

Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS,...

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Location: mumbai,delhi,pune,b...

Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through field visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Comply...

Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager. Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources) Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework. Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction. Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation. 2.Major Deliverables: To prepa...

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis...

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of r...

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Key Objective of the Job: To handle responsibilities mapped to profile of Area Credit Manager. Handling and evaluating/ assessing CAM Note as well financial model submitted by Business Team To prepare credit note / financial model with correct information (gathered via business team / public domain / other resources) Structure the transaction in a feasible manner complying with internal credit policy and regulatory framework. Capture critical analysis of the Business/ Promoters / Industry /financials and other specific risk w.r.t. particular transaction. Adequately articulate the risks and respective mitigates along with the sanction conditions/ recommendation. Major Deliverables: To prepare...

Customer Service Professional - Sales - Financial Inclusion - Housing - EM - Sales Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with...

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new ...

Ecolab is seeking a Sr. FP&A Manager to be responsible for our regional financial planning and analysis activities. The primary role of the FP&A manager is to serve as a point contact for the Division Finance team and provide financial performance outlook and business insights to divisional leadership. This position requires partnership across multiple stakeholders within the organization and will have significant exposure and growth opportunities. As FP&A manager, you will work closely with the regional divisional finance teams to drive results. Whats in it For You: You will join a growth company offering a competitive salary and benefits. The ability to make an impact and shape your career...

The Credit Manager is responsible for overseeing the credit-granting process for the company. This includes the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers. The role also ensures the collection of outstanding accounts receivable and minimizes bad debt risk. Key Responsibilities: - Develop and implement credit policies and procedures to ensure effective risk management. - Assess creditworthiness of potential customers through credit scoring, financial statement analysis, and external credit checks. - Approve or reject credit applications based on company policies and risk tolerance....

The role of National Business Manager Home Loans involves driving strategic growth, performance, and profitability within the home loan division at a national level. You will be responsible for developing and executing sales, partnerships, and distribution strategies that align with corporate objectives and regulatory requirements. Additionally, it is crucial to manage state-based teams, builder networks, and key lending partners effectively. Your key responsibilities will include developing and implementing the national sales and business strategy for the home loans portfolio. You will lead, coach, and manage a team of Regional Managers/Key Account Managers (KAM) and/or Relationship Manager...

Key Responsibilities: A. Credit Policy & Guideline Formulation: Design, develop, and regularly update credit policies , acceptance criteria , and underwriting guidelines tailored for BC/FLDG partners. Customize policy parameters based on factors like partner profiles, customer segments, geographical presence, and risk appetite. Develop and maintain Standard Operating Procedures (SOPs) for risk monitoring teams overseeing partner operations. Ensure alignment of policies with internal risk standards and external regulatory requirements . B. Process Design & Implementation: Design, review, and implement end-to-end processes for the entire loan life cycle managed through BC/FLDG partners, from c...

Roles and Responsibilities Manage a team responsible for credit appraisal and underwriting across multiple locations. Oversee the entire credit process from application to disbursement, ensuring timely decision-making and quality control. Develop and implement effective credit policies, procedures, and processes to minimize defaults and maximize recoveries. Collaborate with sales teams to identify new business opportunities and develop strategies for cross-selling products. Ensure compliance with regulatory requirements, internal policies, and industry standards. Desired Candidate Profile 7-10 years of experience in home loan credit underwriting or related field (NBFC). MBA/PGDM degree from ...

Perpetuity Capital is looking for CREDIT MANAGER to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitor...

Perpetuity Capital is looking for CREDIT OFFICER to join our dynamic team and embark on a rewarding career journey Officer plays a crucial role in the organization, responsible for overseeing and executing various tasks and projects to ensure the smooth functioning of operations This role requires strong leadership, analytical skills, and the ability to collaborate effectively with team members and stakeholders Key Responsibilities :Leadership:Provide leadership and guidance to team members, fostering a positive work environment Lead by example, demonstrating professionalism, integrity, and dedication to the organization's goals and values Project Management:Manage and coordinate projects fr...