Credit Manager

Jobleads (Thiruvananthapuram, KL, India) 8 hours ago
To underwrite mortgage business and manage the portfolio in assigned branch/location. Responsible for handling team: Yes. Roles reporting into this role(Direct/Indirect):. Credit Officer HL/HE/AHF Contact or Interaction with:. 1) Customers. 2) Internal sales teams. 3)Channel Partners. 4) Builders Travel Required: Yes. Position Type: Full time. Process Owner:. 1) Credit. Receives inputs from: Area Credit Manager HL/HE/AHF. Process owner : Credit. Provides Input to: Credit Officer- HL/HE/AHF. Job Description o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties. o Take ownership of client queries and use industry knowledge and experience to overcome chall

Credit Manager

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