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Manager – Retail Credit ( Loan against Property /Real Estate )

Keywords / Skills : Manager – Retail Credit, Manager credit, risk analysis, customer segments analysis, Implement credit policies

3 - 4 years
Posted: 2019-08-13

Job Description
Manager – Retail Credit  ( Loan against Property /Real Estate ) 
We have been retained by our client, a well-established, professionally managed NBFC (Non-Banking Finance Company), part of a Multi-National Bank, to identify a Manager - Retail credit ( Loan against property / Real Estate ) to be based at Bangalore, Hyderabad, Chennai, Delhi, Kolkata and Pune.

JOB PURPOSE :

Responsible for the credit approval and management process in respect of a portfolio. Develop and maintain co-operative relationships between all stakeholders in the credit value chain.

KEY RESPONSIBILITIES:



• Appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing loans, ensuring compliance with organizational credit policies.

• Setting up system and process environment.

• Analyze the customer segments & derive a suitable strategy.

• Oversee the entire lending process, including the initial application and review, underwriting and the disbursal or denial of the request.

• Implement credit policies and processes to uniformly across state to ensure minimum error rates while minimizing the various risks & hence the eventual losses.

• Continuous tracking of loan portfolio, look for any negative trends.

• To co-ordinate with sales team for resolution of credit risk concerns.

• Make recommendations and decisions with strong factual support and a balanced view.

• Contribute to the development of risk strategies for sustainable business growth and healthy portfolios.

• Generating MIS reports to update management about business performance and discussion on Effective Measures as and when needed.

• Analysis of Bank Statements and other relevant documents for income assessment.

• Meet customers and do business and income earning capacity as per the Credit Manual & Guidance Notes.

• Appointment of the Title Search Advocates and Valuers and Co-ordinate with the client and the TSR Advocate / Valuers and finalizing the Reports.

• Understanding of property related knowledge (like legal title and market value of the property).

• Coordinating with Internal and external teams – Business, Operations, Legal, Legal counsels, consultants and clients for execution of documents.

DESIRED SKILLS :

• Ability to do multitasking.

• Strong analytical skills.

• Excellent management skills.

• Good problem-solving ability.

• Must be comfortable making decisions.

• Strong organizational skills.

• Strong consulting and portfolio development skills.

• Confident and effective communicator (both verbal and written).

• Proactive approach to relationship building with the ability to manage difficult relationships.

• Strong team player.

• Presentation skills.

• Listening skills 

CANDIDATE PROFILE : 
Candidates should be qualified as MBA/CA’s or a post graduate in Finance, with 3 to 4 years relevant experience Credit Underwriting for Loan Against Property/ Real Estate.

Interested candidates meeting with the above requirements may please respond with a recent photograph and resume in word format to [HIDDEN TEXT]


About Company

Corporate Search And Placements Private Ltd
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