Credit Manager

3.7 Credit Manager
Business Vertical: Housing
Line Manager: Area Credit Manager HL/HE/AHF
Designation: Manager- Credit
Grade: M1-M3
On the rolls of: TCHFL
Line of Business: Credit
Department: Credit
Location:
No. of Positions:
Job Dimensions
Responsible for handling team: Yes
Roles reporting into this
role(Direct/Indirect):
Contact or Interaction with:
1) Customers
2) Internal sales teams
3)Channel Partners
4) Builders
Travel Required: Yes
Position Type: Full time
Process Owner:
1) Credit
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Credit Officer HL/HE/AHF
Job Purpose
To underwrite mortgage business and manage the portfolio in assigned branch/location
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Responsibilities
Core Responsibilities:
o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for
approval to higher authorities.
o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and
verification- telephonic, field & collateral visits.
o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan
performance over long tenures.
o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
o Exceed service quality standards and strive for continuous process improvement
o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility
structure risk contained in the credit proposal.
o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
o 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.
o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
o 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
o 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.
o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.
Interdependencies
Functional Competencies
Competency
Beginner
Intermediate
Advance
Expert
Retail Credit Strategy & Policy
Retail Credit Underwriting
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Retail Credit Systems and Process
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Retail Credit Monitoring & Portfolio
Management
Retail Credit Team and Vendor
Management
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Job Qualifications
Graduate : Yes
Desired Experience: Minimum 2 to 6 years in the field
Masters/Postgraduate: Yes
Certifications: CA/MBA (Preferable)
Others :
depending on qualifications.
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TCHFL JD Booklet FY 2018-19 || 25