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25/04 Ankita

Views:6279 Applications:162 Rec. Actions:Recruiter Actions:0

Regional Credit Manager - Affordable Home Loans - Bank (10-15 yrs)

Bangalore/Chennai/Delhi NCR Job Code: 690757

Job Description :

Job Title : Regional Credit Manager - Affordable Home Loans

Grade : DVP

Department : Retail Lending

Location : Chennai

Eligible employee : DVP

Reporting To : National Credit Manager - Affordable Home Loans

A. Job Description

1. Maintain the corporate credit policy, recommend changes in the credit policy to senior management, create a credit scoring model and manage customer credit files

2. Carry out a risk assessment of lending proposals and forward it to the Risk committee/NCM for approval

3. Meet with developers and builders to understand the viability of their projects, in terms of project scale, progress and financials

4. Provide inputs towards the structuring of the deal, ensuring compliance with internal risk and external regulatory requirements

5. Carry out an analysis of the balance sheet and recent financial results of developers and their organizations

6. Carry out background research on the project, the developer and the regional market, highlighting any negative reports so as to ensure the quality of lending portfolio

7. Monitor statutory real estate guidelines and assess any relevant information from these sources

8. Effectively engage with cross functional teams (Operations, Risk etc) to understand and contribute to overall processes across locations

B. Qualifications and Experience Requirement


Essential CA/CFA/Post-graduate/MBA



- Minimum 10 years prior credit experience with having 7 years in Home Loans / Mortgages Loans

C. Competency Requirements

a. Technical Skills

Skill Attribute :

Financial Services

- Carry out an analysis of the balance sheet and recent financial results of customers, developers and organizations

- Good understanding of the financial services business, prior experience of credit role on Mortgage/Home Loans.

- Software - Proficiency in Microsoft Excel and PowerPoint a must

- Banking products - Sound understanding of term loan,

Secured business.

b. Behavioural Skills

Skill Attribute

- Solution oriented - Should be able to create good working relationships with various teams inside the organisation as well as external vendors

- Must be a proactive planner and an aggressive executor

- Adherence to deadlines

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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