CREDIT MANAGER

Job description

Role & Responsibility:

• Credit Appraisal of Loan applications within defined guidelines and accordingly tak Read more

  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.