Credit Manager

Designation: Credit Manager.

Roles and Responsibilities:

- Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility of hubs and service centers.

- Customer interaction to understand needs and find solutions within the product range available.

- Calculate the net present values of maturing assets using Excel sheets or programs.

- Knowledge of basic legal documentation involved in the acquisition of a home.

- Knowledge of the technical fundamentals involved in the acquisition of a home.

- Cash-flow method of assessment of NRI loans; ability to assess a self-employed loan.

- Supervision and performance management of all team members.

- Supervision of all the activities done by non-sales staff/coordinators:

- Sanctioning: Files processing by the coordinator within the time, customer calling, query resolving, file login at HDFC, faster sanction, keeping a check on TAT for login & sanction, and checking the quality of calls to customers & processing by coordinators.

- Disbursement: Customer calling after sanction of case, disbursement follow-up with customer & sales force, and technical updating for disbursement, resolving legal queries, fixing disbursement, and keeping a check on TAT of legal updating, technical updating, and disbursement fixing.

- Project ApprovalCreation of Property No, Query Resolving, Builder Appointment, Project Approval, Keeping a Check on TAT of Project Approval.

- LMS: Timely updating of leads into LMS, proper follow-up on the next scheduled action date, auditing of leads, feedback & status.

Required Candidate Profile:

- Must be an MBA or CA with minimum 5 to 10 years of experience in the credit department (finance or banking background preferred)).

- Should have risk assessment skills along with vast experience in the field of underwriting.

- Hands-on experience in self-employed assessment.

- Must have a minimum of 2-3 years of team handling experience.

- In-depth understanding from sourcing to disbursement.

- Effective communication skills (verbal& written).

- At least 4 years of experience in the credit assessment field from the home loan industry.

- Solution orientation and the ability to work under strict deadlines.

- Should be willing to travel on a needed basis.