Array Management Consultants Hiring for Credit Manager Job at Cuddapah Full Time

Job Description

Roles and Responsibilities Greetings from Array!!!

Please find job description for Credit Manager

Industry: Banking/ NBFC
Product: Mortgages/ LAP / HL

• 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 Candidate Profile Education Qualifications:Graduate

Key Skills
mortgagesBusiness loanHLsecured loansaffordable housingSMEBLmortgage loanloan against propertymortgagehome loanhousing loanretail housingPersonal loanhome financehome loanslapMSMEhousing financeplsecured
Education UG:Any Graduate PG:Any Postgraduate Doctorate:Any Doctorate

Company Profile

Array Management Consultants
Array management is a quality recruitment service provider. It’s a well structured, professionally managed organization having a team of professionals comprising of domain expertise Recruiters, Research Associates, HR Advisers, Headhunters, and Database Professionals. Array specializes in its services for a wide range of sectors ranging from engineering, construction , industrial and consumer durable to finance, banking , insurance
Company Info

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Recruiter Name:Mr. Varun Contact Company:Array Management Consultants Email:[email protected] Reference Id:CM-01 Website:http://jobs.arraymanagement.com

Job Detail

• Job Id
  JD2165817
• Industry
  Not mentioned
• Total Positions
  1
• Job Type:
  Full Time
• Salary:
  Not mentioned
• Employment Status
  Permanent
• Job Location
  Cuddapah, Andhra Pradesh, India
• Education
  Not mentioned
• Experience
  Year