Branch Credit Manager

Roles & Responsibilities Specific Responsibilities :
• Managing team of Credit processing associates
• Credit Appraisal – Underwriting/recommending of proposals for non-collateral/collateral
• backed education infrastructure loan.
• Process – Understanding process and policies and implementing the same to ensure smooth transactions.
• Training- Provide training to CPA's so that they work in synergy with the companies policies and norms
• Delinquency Management for the location
• Vendor / Cost management – managing the outsource agencies and
• ensure TAT is maintained by these agencies.
• Quality Management in terms of Audit, Compliance and Hind
• sighting
• PDD Management – controlling and tracking PDDs through proper
• MIS for the location
• Monitoring end usage of loan
• Key Performance Indicators :
• Login to Recommendation TAT
• Maintaining Audit Compliance and errors in Hind sighting
• Training
• Delinquency control as per budget
• Cost management
• New initiatives
• Experience : 6-7 years of Experience
• Technical Competencies / Skills
• Basic knowledge of loan underwriting
• Knowledge of Mortgage Lending Business- awareness on risk involved w.r.t. to title of property
• Should be able to conduct personal discussions with clients (self-employed) independently and arrive at cas
• flow analysis.
• Experience of underwriting loans to K12 Schools & colleges will be added advantage (non-mandatory)
• Good communication and report writing skills
• Basic knowledge of Banking
• Good Knowledge of computer applications
• Knowledge of practices in mortgage industry
• Personal Attributes
• Managerial Qualities
• Initiative
• Process Orientation
• Customer Orientation
• Formal Qualifications : CA/ MBA preferred.

Eligibility:CA, MBA (Finance