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Area Credit Manager - Micro LAP Full-time Job

1 year ago NBFC Kolkata   103 views
Job Details

Job description

Self deliverables

  • To underwrite, build and maintain a portfolio of Mortgage Loan products as per credit policy.
  • To manage multiple branches.
  • Manages subordinate staff in day-to-day performance of their jobs.
  • Responsible for overall supervision activities like login, processing, disbursement etc.
  • Vendor management and manage all types of training regarding credit, policy and products.
  • To review applications with credit verifications, financial, technical and legal analysis and sanctioned proposal within given authority limit
  • To underwrite, analysis and recommended proposals to seniors / committee
  • To review and closely monitor all MIS regarding portfolio and reporting to management on daily basis.
  • Monitoring of portfolio every month with respect to delinquency / losses / fraud for the period underwritten
  • Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies.
  • Ensure collection of PDD diligently and provides for safe deposit of the same.

Expertise required/ Domain Knowledge:

  • Ability to comprehend risk inherent to customer business
  • Flair for numbers and an ability to understand processes, read balance sheets and understand customer business models
  • Knowledge of legal undertakings
  • Good people management skills
  • Systematic & Meticulous and Ability to perform under pressure
  • Good analytical & logical abilities and Good communication and interpersonal skills
  • High resilience, energy & initiative
  • Result and achievement orientation
  • Well networked in locality with respect to customers / financiers
  • Ability to work in teams internally and also build good relationships with customers
  • Demonstrate core company values, including high integrity and ethics

No. of years of relevant experience:

Minimum 8 years in Mortgage Underwriting Experience post qualification

NBFC underwriting experience would be preferred

Any specific specialization/education: CA / MBA FINANCE

Company Description
Fullerton India offers a range of calculators to help you make an informed decision regarding the best possible solution to serve your financials needs. Access these free of cost, to get a quick estimates of loan amount you are eligible for. You can also access our EMI calculator to plan your finances better.Terms & Conditions apply
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