Senior Credit Manager-HF LOAN AGAINST PROPERTY (LAP)-Credit

Job Description

Role Credit Appraisal · Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities · Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training · Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on Hire: Increase in volume of business · Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend · Analyze the NPA trend like area, industry, sector etc. · Interact with Customers & understand the business and regularly monitor delinquencies / infants. Infant loan which is less than 12 months NPA · Ensure qualitative portfolio · Ensure that there is no infant 12 months NPA Daily tasks: · Daily accessing the loan file · Daily case discussion with Sales team · Preparing credit underwriting for the cases assigned · Personal discussion calls with customer financials & banking · Decision making with predefined TAT · Tele-verification calls to the customer