Credit Manager

Job description

Credit Manager 

Location: Kolhapur 

Role & Responsibility:
 Credit Appraisal of Loan applications within defined guidelines and accordingly take decisions or
recommendations for approval to higher authorities.

  Underwriting cases with the desired level of quality and enabling achievement of Branch Business
targets by proper training. 

 To evaluate proposals of customers for Home Loan and LAP. 

 Use performance history along with liquidity, debt/asset management, and profitability ratios to assess
creditworthiness in the evaluation
 Interact with Customers & understand the business and regularly monitor delinquencies/infants. 

 Decision-making within defined TAT

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

 Coordinating with sales, operations, legal, technical and customer service 

Qualifications:
 Bachelor's degree in Business Administration, Marketing, or a related field. 

 Minimum of 4 years of progressive experience in sales management, specifically in home loans or
mortgage related roles. 

 Proven track record of success in leading and motivating sales teams to achieve and exceed targets. 

 In-depth knowledge of the rural housing market, including market trends, regulations, and customer
preferences. 

 Excellent communication, negotiation, and interpersonal skills. 

 Strong analytical and problem-solving abilities. 

 Ability to work independently and remotely, managing multiple priorities effectively.