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07/08 Darryl Pais
Managing Director at Corporate Search & Placements Pvt. Ltd.

Views:7437 Applications:318 Rec. Actions:Recruiter Actions:318

Manager - Retail Credit - Loan Against Property - NBFC (3-4 yrs)

Bangalore/Chennai/Delhi/Hyderabad/Kolkata/Pune Job Code: 729717

We have been retained by our client, a well-established, professionally managed NBFC (Non-Banking Finance Company), part of a Multi-National Bank, to identify a Manager - Retail credit ( Loan against property / Real Estate ) to be based at Bangalore, Hyderabad, Chennai, Delhi, Kolkata and Pune.

Job Purpose:

Responsible for the credit approval and management process in respect of a portfolio. Develop and maintain co-operative relationships between all stakeholders in the credit value chain.

Job Responsibilities:

- Appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing loans, ensuring compliance with organizational credit policies.

- Setting up system and process environment.

- Analyze the customer segments & derive a suitable strategy.

- Oversee the entire lending process, including the initial application and review, underwriting and the disbursal or denial of the request.

- Implement credit policies and processes to uniformly across state to ensure minimum error rates while minimizing the various risks & hence the eventual losses.

- Continuous tracking of loan portfolio, look for any negative trends.

- To co-ordinate with sales team for resolution of credit risk concerns.

- Make recommendations and decisions with strong factual support and a balanced view.

- Contribute to the development of risk strategies for sustainable business growth and healthy portfolios.

- Generating MIS reports to update management about business performance and discussion on Effective Measures as and when needed.

- Analysis of Bank Statements and other relevant documents for income assessment.

- Meet customers and do business and income earning capacity as per the Credit Manual & Guidance Notes.

- Appointment of the Title Search Advocates and Valuers and Co-ordinate with the client and the TSR Advocate / Valuers and finalizing the Reports.

- Understanding of property related knowledge (like legal title and market value of the property).

- Coordinating with Internal and external teams - Business, Operations, Legal, Legal counsels, consultants and clients for execution of documents.

Desired Skills/Competencies:

- Ability to do multitasking.

- Strong analytical skills.

- Excellent management skills.

- Good problem-solving ability.

- Must be comfortable making decisions.

- Strong organizational skills.

- Strong consulting and portfolio development skills.

- Confident and effective communicator (both verbal and written).

- Proactive approach to relationship building with the ability to manage difficult relationships.

- Strong team player.

- Presentation skills.

- Listening skills

Candidates Profile:

Candidates should be qualified as MBA/CA's or a post graduate in Finance, with 3 to 4 years relevant experience Credit Underwriting for Loan Against Property/ Real Estate.

This job opening was posted long time back. It may not be active. Nor was it removed by the recruiter. Please use your discretion.

Women-friendly workplace:

Maternity and Paternity Benefits

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