Whiteforce Hiring for credit manager Job at Bangalore Full Time

JOB DESCRIPTION CREDIT MANAGER Ctc- 5.5 lpa Job Description : Key Responsibility Areas • Ownership of end to end underwriting process including maintaining TAT, Risk containment & management , Portfolio quality, Delinquency management etc. • Providing periodical training to CPAs, Sales Team, Branch Operations Team etc, to ensure complete documentation and quality sourcing • Following the delinquency of customers through collection as well as contacted the customers • Random visits of prospective as well as existing clients (vendor) to have better understanding about borrower profile • Focus on improving productivity and skill up gradation of credit underwriting Review and assess a broad range of complex loan applications within defined guidelines and• accordingly take decision or recommend for approval to higher authorities. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios • and its impact on loan performance during the loan tenure. Conduct personal discussion with customers to establish credit worthiness and ensure • completion of credit/KYC documents and verification- telephonic Handling escalations of other applicants and providing resolution to them in timely manner.Take • ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems Facilitate critical review and documentation of the proposals and effectively monitor the client• & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies Verification of KYC documents and property document s• Following-up with relevant departments and applicant for required documents/details to ensure • smooth clearance. Resolving NBO queries• Discussing case studies with fellow team members and proving appropriate feedback to them•