Area Credit Manager - Construction Finance

Job Description :

- Managing overall credit and risk functions for the areas/locations assigned to him/her.

- Responsible for processing and underwriting of Construction Finance deals as per credit policy.

- Maintaining defined TATs for approval.

- To facilitate business team, achieve monthly/annual business targets.

- To ensure adherence to credit policy and defined processes, TAT management, PD management, CAM quality and Fraud Risk Management.

- Inputs for designing and implementation of credit policy and programmes, new initiatives, periodical changes in credit policy and programmes based on the inputs provided by sales team and market feedback, providing inputs on product and policy being followed by competitors in the market.

- To maintain the Portfolio Quality & being responsible for collections, delinquency and NCL management.

- Visit Builder Sites/Client Sites and prepare and submit report on project completion /client's business activity/neighbour/customer feedback etc.

- Responsible for PDD monitoring and collateral management

- Coordination with Operations team for disbursal and PDD process.

- Monitoring and management of different vendors viz. Legal Agency, Valuation Agency, CPV Agency, FCU Agency, ROC Search Agency or Stock Audit Agency & other agencies as required.

- Vendor TAT management, Vendor Visits, Vendor payments management

- Hiring of credit resources as per manpower budgeting, attrition management and performance management.

- To ensure audit compliance and regulatory compliance for his location/area

- To take reference checks for prospective borrowers from market links and existing lenders

- Coordinating for training programs for credit/sales team, imparting induction training for their subordinates

- MIS management for his vertical