RC - Area Credit Manager - Mortgages Credit

No of VacanciesReports toRCMIs a Team leaderYTeam Size5-7GradeM/SM/AVPBusinessUnderwritingDepartmentRetail CreditSub-DepartmentCPCLocationAbout Retail CreditThe Retail Credit department in the Bank is a Credit Underwriting department for all retail products of the Bank It is also responsible for ensuring the maintece of a good portfolio quality and for ensuring smooth credit appraisal processesAbouttheRoleArea Credit Manager is Team Leader Role with CPC Credit underwriting managers reporting Ensure smooth functioning of Credit Processing Centre, which is responsible for processing and underwriting of Centralised & Decentralised FilesMonitoring Turnaround time (TAT) from Login to Sanction - Login to Sanction for all products at desired levelsEnsure the quality of proposals and credit appraisal to minimize delinquencyEnsuring compliance of Audit & Compliance reviewsEnsuring quality of Data entry with minimal error ratio and non-repetition of Audit ObservationsPeriodic Training, policy feedback, vendor management, participation in pilot runs/testing etcStakeholder management Regular meeting with competitors, analyse market feedback from different stakeholders to benchmark the competitionIdea generation for new projects for process efficiency and cost savingQualificationsGraduate / Post- Graduation (MBA/ CA preferred)Experience in retail credit with team handlingRole ProficienciesFor successful execution of the job, the candidate should possess:Knowledge of credit, industry and product trendsKnowledge of regulatory guidelines and normsGood communication (both verbal and written) skill in both English and the local language