Credit Manager - HL/LAP/Mortgage Loans - Bank

- Appraises /recommends/ approves credit proposals as per the delegation of authority.

- Reviews delinquent cases and document learning's / portfolio reviews for risk management.

- Conducts process audits and reports delinquencies and anomalies.

- Recommends changes to policy/process based on local nuances / competitor feedback.

- Implements system integration plans.

- Monitors NPA and keeps a track of it.

- Ensures field customer visits for PD and deliveries within agreed TAT.

- Managing all CPA's(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team.

- Ensures maintenance of Healthy Portfolio for the bank.

- Makes customer visits wherever required to ensure appropriate closure of the deal.