Credit Manager (Housing Finance)- Magma Housing finance
Purpose of the Role : Credit Analysis of all prospective deals of Home loan and LAP
Job Description :
- Credit Appraisal : Credit appraisal of all prospective deal
- Portfolio health: Ensuring Portfolio health on basic parameters on Delinquency and behaviour
- Proactive approach: Attune with Market conditions wrt general economic activity and adverse trends, if any in the industry.
- Recommend / decide on loan proposals basis Detailed customer, Financial and collateral analysis
- Continuously upgrade Legal and Technical Understanding of properties
- Vendor Performance Monitoring & Training
- Monitoring Post Disbursal Documents (PDD) Collection
- Audit and Regulatory compliance at branch level
- MIS Maintenance, Reporting and Monitoring
- Ensuring training of Credit Executives
Job Requirements :
- Adequate knowledge of various parameters for appraisal, process knowledge and Market information
- Direct interaction with the FI team and customers
- Seek support and guidance from seniors for resolution
- Root cause analysis of delinquent accounts and taking preventive steps.
- Regular visits to the fields to meet Competition, Customers and Opinion Leaders
- Preferably CA or MBA Finance.
Min : 3-6 years of Credit analysis experience
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