Area Credit Manager

Job description

Manage a huge team for Credit Managing for LAP. Delivering superior financial performance while minimizing potential losses. Delivery of partner proposition. Portfolio Review & Monitoring – Delinquency portfolio tracking MIS & digitization of processes. 
 Will manage a team of credit managers/officers who will have the following 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. 
 Visiting business premise, property, and residence of the customer at the time of PD. 
 Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD. 
 Study, analyze, and interpret legal & technical reports of property. 
 Underwriting and sanction of Home loan/loan against property files sourced by the sales team. Maintaining TAT as per guidelines and taking the case to a decision point.