Greetings !!
Position: Branch Credit Manager
Product: LAP/Home Loans
Location: Mumbai
Experience: 3+ years
Domain: NBFC
Roles & Responsibilities
Position: Branch Credit Manager
Product: LAP/Home Loans
Location: Mumbai
Experience: 3+ years
Domain: NBFC
Roles & Responsibilities
- Underwriting Home loan / LAP files files as per credit policy and other credit parameters.
- Personal discussion with customers at Business places with business verification
- Preparing Credit Assessment Memo and approving files
- Approval rights to Home loan / LAP files for loan amount
- Preparing Credit Assessment Memo and recommendation Home loan / LAP files proposal for loan amount
- Performing Cash Flow Analysis, Financial statement analysis, Banking analysis and repayment track analysis.
- Property Verification to the customers properties.
- Vendor Management (FI, Legal, Technical and LIP)
- Performing quality checks, compliance and ensuring TAT (Turn-around-time)
- Periodic review with regional Fraud Control Units, Field Investigation, Legal & Tech Vendors
- Portfolio Analysis, controlling bad debts, ensuring a profitable Portfolio
- Dash Board MIS maintenance, PDD Tracker & Audit Compliance.
- Recommending to APF (Approved projects Funding)
- Providing Credit policy training to Sales team and CPAs team regularly.
- Vendor Billing Management
- Periodic review on vendor performance.
- Monitoring CPAs.
- Sound knowledge on legal clearance and legal documents in Housing loans / LAP.
- DSAs / Engineers / Builders Visit with BSM, emphasizing / highlighting companys product features and observing the other financiers market practice.
- Analyzing and highlighting location wise local market practice to credit heads / policy heads and following up till implementation to funding.
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