Tata Capital is hiring for the post of Retail Credit Manager Any Degree Can Apply
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Company : Tata Capital
Location : Indore
HARMAN Hiring iOS developer Salary: 7 LPA - 12 LPA Year of experience - 0-2 Years Apply Now
Responsibilities of the Candidate:
- Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decisions or recommend for approval to higher authorities.
- Underwrite proposals as per the laid down policies & procedures to honor the agreed SLAs and manage city/area business volumes.
- Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
- Assess income-to-obligation ratios, loan-to-value ratios, and in-depth knowledge of the rational behind the calculation of ratios and its impact on loan performance over long tenures.
- Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same.
- Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties.
- Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems.
- Exceed service quality standards and strive for continuous process improvement.
- Undertake a critical review of the credit proposals with a view to bringing out the industry, business, financial, management, and facility structure risk contained in the credit proposal.
- Ensure collateral and other credit risk mitigation to facilitate the approving authority to make a decision on the credit proposal.
- Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
- Undertake an ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
- Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post-disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies.
- Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
- Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.
Requirements:
- Graduate, Masters/Post Graduate
- Certifications : CA/MBA (Preferable)
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