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Credit Manager Full-time Job

1 year ago NBFC Gangānagar   251 views
Job Details

Roles and Responsibilities-

*Ensure documentation is in place before sending the file for dispatch, with reviews done periodically on the documentation,

 besides ensuring dispatch of the physical file.

*Ensure the completed document is moved into the Operations Queue Review of credit files as per policy Ensure approval     tracker is given to Business

  • Evaluation of Proposals put up for recommendation / approval as per credit policy.
  • Customer visit and discussions to assess the loan requirement.
  • Customer business and income assessment.
  • Understanding the business thoroughly for self-employed non-professional profiles.
  • Ascertaining and Validating the revenue streams and expenditure of the business.
  • Should be able to see through the potential risks of the proposal.
  • Should have ability to do due diligence without sufficient and formal documents / data.
  • Files Checking as per Credit Policy.
  • Risk Analysis related to case & Client.
  • Maintaining quality of credit information, underwriting standards and presentation.
  • PDD and Portfolio Management.
  • Facilitate the development of clearly defined and updated policies & procedures for all credit risk management.
  • Handling Disbursement officers for process.
  • Accuracy of work and timeline adherence.

Key Skills:

  • Proven work experience of 3-4 years as a Credit Manager, Credit Analyst, or a similar role (preferable - credit  underwriting role for LAP / Mortgage Loan )
  • Should have worked in a similar role for personal loans credit department of Bank/NBFC/Fintech
  • Good negotiation skills and a team player
  • 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.
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