Area Credit Manager-Mid Corporate-Credit Appraisal-Chandigarh - Sector 8C-M4-M6

Area Credit Manager-Mid Corporate-Credit Appraisal-Chandigarh - Sector 8C-M4-M6

Tata Mutual Fund
1-4 years
Not Specified

Job Description


Job Description

To underwrite corporate finance business and manage the portfolio in assigned area .
o Support and co-partner with business teams to manage end to end credit approval for the designated region
o Underwrite cases and present to senior level
o Authorize deviations raised and documented by underwriters in compliance with credit policy.
o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests.
o Approve all disbursement requests on the basis of achieved adherence to requirements on agreement value, full documentation attainment at the branch level.
o Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases.
o Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays.
o Co-ordinate with the recoveries team and generate business insights.
o Lead a team of credit approvers to ensure portfolio quality and delinquencies.
o Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB
o Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
o Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy. MBA/PGDBA/PGPM/ CA or Equivalent

Job Details

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Function:

Tata Asset Management Limited (TAM) is the Investment Manager to Tata Mutual Fund. Our origin stems from a much respected and internationally acclaimed industrial house – the Tata Group – whose business philosophy has made our country and its people partners in the wealth creation process. Our heritage invokes 'trust' among consumers, employees, shareholders and the community alike. Though a great heritage is obviously something to cherish, we also seek to carry that legacy through a set of well defined and time tested globally accepted business practices. Being part of the Tata group, we are well known for our strong adherence to highest standards of ethics and fairness in all our business dealings.
TAM manages funds across the entire risk-return continuum. These include equity funds, balanced funds and debt & money market oriented funds. The company provides investment management, risk management and advisory services to institutional, intermediary and individual investors.

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