Branch Credit Manager for Non Banking Financial Company - Mumbai

Greetings !!

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. 
Interested candidate can mail their resume on