Branch credit Manager For a leading housing Finance

Roles and Responsibilities

• Underwriting and Decision of Home loan/loan against property files sourced by sales team.
• Maintaining TAT as per guidelines and taking case to decision point.
• Assessment of borrowers profiles, repayment capacity and income stability.
• Understand and interpret results of financial analysis, banking analysis and bureau reports.
• Analysis of all customer-related information in line with credit & risk policy to check eligibility.
• Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement.
• Study, analysis and interpretation of legal & technical reports of property.
• Maintain the right quality of Portfolio & ensure the Delinquency numbers are with in control.
• Draft & Design the local policies to enable the organisation for right mix of customers at desired yield.