Regional Credit Manager - Mortgage

- Assessment of borrowers profiles , repayment capacity and income stability

- Understand and interpret results of financial analysis, banking analysis and bureau reports

- Analysis of all customer related information in line with credit & risk policy to check eligibility

- Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement

- Visiting business premise, property and residence of customer at the time of PD

- Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD.

- Study, analysis and interpretation of legal & technical reports of property

- Underwriting and sanction of Home loan/loan against property files sourced by sales team

- Maintaining TAT as per guidelines and taking case to decision point.