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Cluster Credit Manager Full-time Job

1 year ago NBFC Bīkaner   206 views
Job Details

Roles and Responsibilities

  • Business Maintaining and publishing trackers on regular basis and ensuring timely deliveries
  • Ensure deliverance of all credit card related marketing communication through mailers SMS and all BFL related communication Creation of marketing plan for Credit Card business
  • Bundling communication CD communication Sales communication Social media POS marketing collaterals etc
  • Regular updation/training to all stakeholders on new initiatives being developed and future plan
  • Continuously creating new plans for new initiatives for business development
  • Assessment of borrowers profiles , repayment capacity and income stability

Effectively manage & upskill the credit teams along with allocation of workload

  • Understand and interpret results of financial analysis, banking analysis and bureau reports
  • Analysis of all customer related information in line with credit & risk policy to check eligibility
  • Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement
  • Visiting business premise, property and residence of customer at the time of PD
  • Understanding of actual business income & expenses (other than reported income) of customer
  • Ability to understand customer business and requirement from their perspective
  • Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD
  • Study, analysis and interpretation of legal & technical reports of property
  • Study, analysis and interpretation of other internal check reports
  • Underwriting and sanction of Home loan/loan against property files sourced by sales team
  • Revert on post sanction conditions prior to disbursement based on queries raised by the team
  • Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix
  • Co-ordinate and communicate with different departments
  • Maintaining TAT as per guidelines and taking case to decision point
  • Minimal rework/errors as part of underwriting quality
  • Adherence to the policy/ process laid out by the Central team on all loan applications being processed
  • Close monitoring on non-starters/first EMI bounce trends
  • Audit compliance on all aspects stipulated by Head Office and regulatory compliance
  • Maintaining and reporting of various MIS to monitor portfolio performance and risk
  • Continuously improvise underwriting capability based on portfolio performance

Desired Candidates Profile;-

Good Exposure of Mortgage Loan & Business Loan.

Responsibilities Handling Secured & Unsecured Mortgage Loan , Loan Against Property & Business Loan .

Credit Underwriting of the proposals for all company products .

Credit appraisal of company products Analysis & Verification of credit worthiness of customers through field investigation.

Manage & motivate credit & branch sales team Responsible to ensure good portfolio .

identifying potential credit and operating risks related to loans.

Interested Candidates can send their resume on rashmi.saxena@banksterindia.com

Company Description
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