Login for faster access to the best deals. Click here if you don't have an account.

Credit Manager -Bangalore Full-time Job

10 months ago NBFC Bengaluru   56 views
Job Details

Roles and Responsibilities;-

  • Assessment of borrowers profiles , repayment capacity and income stability Effectively manage & up skill 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 Candidate Profile:

  • Proven work experience in Credit underwriting of Retail Asset Banking and NBFC products, services and operations (preferably in private sector,  & LAP/ Business Loan / secured / Unsecured)
  • Understanding of local business and micro economy
  • Keen understanding and focus on risk, controls, compliance and regulatory framework
  • Strong analytical & communication skills (written & verbal)
  • Ability to build, coach and mentor high performance oriented teams
  • Should have good knowledge of Risk Related to Business.
  • Good client servicing skills.
  • Good financial analytical skills, communication skills.
Company Description
BanksterIndia - A leading recruitment firm and Job Site for Banking & Finance professionals.
What is Banksterindia.com

BanksterIndia - India's Most Popular & Trending JOB site for BFSI professionals-

  • BanksterIndia aims to develop such a platform where Millions of job opportunities from the BFSI sector can be View, Share, and can be Directly Applied by the professionals,
  • On BanksterIndia we allow Employers to search and hire Fresh/Experienced candidates for their organization.
  • Candidates those are from BFSI background or want to start their career in the same can apply their Dream Jobs.
  • "STAY CONNECTED & STAY UPDATED".
Source By
Banksterindia