Senior Credit Manager - Construction Finance

Senior Manager Credit - Construction Finance

Core Responsibilities:

- Manage credit underwriting function for corporate realty and funding group business for the assigned portfolio. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework Vendor Management Customer Service.

- To maintain TAT for all processes Quality Underwriting. Volume of Files Processes Volume of files sanctioned. Loan Disbursals.

- Evaluate the financial status of the borrower & assess the credit worthiness of the companies by analysing financial data like balance sheet, profit and loss account, cash flow statements and annual reports, for credit decision purpose.

- Analyze the legal, compliance and market-risk-related issues involved in the lending process.

- Ensure collection of post disbursal docs & reduction in partly disbursed cases. Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level.

Interdependencies:

Receives inputs from:

Functional Competencies:

Beginner:

- Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process.

- Ensure compliance to all Audit / NHB regulations as well as processes. policies and reports as per company designed systems