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Urgent openings for Credit manager-8595849767 Call or WhatsApp

Job World
4-8 years
Not Specified

Job Description

Greetings Of the Day !!!!

Key Responsibility (Job Description)

Credit manager for Business loan against mortgages (BLAM) & Loan against property (LAP) for high ticket
50 Lakhs + and small ticket secured and unsecured business loans, desirable knowledge of personal loans.

Job description:

• Credit underwriter have onus for assessing the risk of a borrower being able to repay their loan to
the lender, decision the loan adhering to the regulatory guidelines and company policy & procedures
as well
• Underwrite and decision loans to comply with state and federal regulations. Should be able to
underwrite all Tiers, including complex loan transactions.
• Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or
recommend for approval to higher authorities.
• Underwriting cases with desired level of quality and enabling achievement of Branch Business target
by proper training.
• To evaluate proposals of customers for Business loans secured and unsecured, loan against
properties salaried and self-employed both, desirable knowledge of personal loans
• Use performance history along with liquidity, debt/asset management and profitability ratios to
assess creditworthiness in evaluation.
• Interact with Customers & understand the business and regularly monitor delinquencies / infants.
• Decision making within defined TAT.
• Credit and collection visits to customers
• Ensuring compliance with company policies and guidelines.
• Analyze appraisal report and collateral offered in the loan application to determine acceptability and
appropriate loan to value ratios for decisions.
• Having sound knowledge of property documents like title deed, mutation, registered mortgage and
lien marking and other financial mortgage knowledge like FD, shares, insurance, bonds, securities &
• Perform Income calculation, debt to income ratios, review/analyze complex asset statements,
financial statements, as well as personal and business income tax returns to render a decision.
• Analyze and review title opinions for decisioning on all loan applications.
• Documenting and effectively communicating reasons for the approval/rejection of loans.
• Decision and review completion of the required conditions to approve loan and communicate
requirements to appropriate parties.
• Frequent client visits to understands the proposal and business of customers not a back-office job
• Understanding of credit policies and their drafting
• Maintain good relationship with sales, collections, risk control unit , operations and other functional

No. of Position Required 1 Positions (Noida)

Highest Educational
MBA finance/ CA/ CMA/CS/CFA

Relevant Experience 4+ years mortgage underwriting experience (preferably origination/frontend/live UW) for LAP, Business loans (Secured and Unsecured) with
supervisory skills.

Industry/Organization (If

Lending financial services engaged in LAP business as IIFL, Jana small finance,
IDFC, Utkarsh small finance, HDB, Edelweiss, Fullerton, India bulls, Bajaj
FinServ, Tata capital, RBL bank, Hero Fincorp, Muthoot Fincorp, Diwan housing
Finance, Capri global, Intec capital and etc. and private banks.

For more Details Kindly Call/WhatsApp -8595849767
Shubhnai Sharma
[Confidential Information]

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