Job Description:

- Evaluation of Mortgage proposals Rs. 2.5 Cr and above. Meeting the highest standard of productivity. To ensure high portfolio quality for the product, while maintaining excellent service levels (TAT) to the customers (both internal and external customers).

- Interpreting financial statements and data for analyzing past financial & business performance. Assessment of viability of potential borrowers. Investigating and understanding key business issues behind the numbers and providing clear, concise and timely analysis with recommendations and approvals.

- Identifying the risk associated with the exposure taken on customer.

- Comparison of the client performance vis-a-vis economy and Industry trends. Identifying key risks for each lending transaction and recommending various covenants as mitigants to bring borrower's risk profile to acceptable levels.

- Involved in legal and technical analysis of securities offered. Understanding trend in real estate market.

- Meeting clients and continuous interaction to understand business models, assessing the credit worthiness of clients, ensuring integrity and precision of data submitted.

- Attending all transactions/ mails within prescribed time limit.

- Tracking deferrals (post disbursal documents) on a continuous basis and taking up matter with business for closure of the same.

- Adherence to the policies/processes laid out by the Bank on all applications being processed

- Very close monitoring of cheque bounce trends and knowing channels and their sourcing pattern. Initiating joint meetings with the client along with business & collection team for cases reported in early mortality / delinquency

- Giving Feedback to channels/Vendors on a monthly basis on their performance levels and taking

- corrective action to improve the efficiency of vendors. Processing vendor bills and ensuring timely payment of bills.

- Audit & regulatory compliance on all aspects stipulated by the Bank.

- Interact closely with other functions such as Branch banking/ Sales/ Operations/ Collections/CPU/Policy/Product etc. in ensuring a smooth day to day functioning at the location.

- Escrow monitoring of LRD accounts to ensure escrow adherence in all cases on monthly basis.

Job Requirements:

- Should have completed at least 5 year in the role of credit underwriting.

- CA/MBA in Finance with a minimum 5 years of relevant experience.

- Should be able to independently assess the proposals of more than Rs. 2.5 Cr.

- Comprehensive knowledge of financial and detailed understanding of different ratios, spreadsheet preparation and understand the functions of different business and trades.

- A better inter-personal skill, Pro-active, positive attitude, knows how to build portfolio, initiator, and inclination towards customer service. Multi-tasking personality.

- Should be matured enough to handle pressure from business, understanding their pressure also, at the same time ensuring that only quality business is being done.

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