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Akshay Datt

Founder at Unnati

Last Login: 17 June 2024

Job Views:  
252
Applications:  46
Recruiter Actions:  31

Job Code

1360784

State Credit Head - Mortgage/Home Loan

15 - 18 Years.Hyderabad
Posted 5 months ago
Posted 5 months ago

As a State Credit Head will be responsible for overseeing the appraisal and approval of proposals, ensuring adherence to credit policies, and maintaining a high-quality loan portfolio.


What you will do:


- Evaluating informal income and customer profiles for Home Loan and Mortgage applications


- Undertaking credit appraisal and underwriting of loan files, analyzing financial status and credit evaluations


- Supervising credit underwriters in the appraisal and approval of loan proposals


- Ensuring adherence to turn around times (TAT) and support business requests


- Assessing customers sourced by the Sales team according to credit policy


- Determining deviations and exceptions, providing decisions on deals (approve / suggest modified terms / decline)


- Highlighting key risks, structure exposure, and presenting proposals to the credit committee


- Tracking OTCs & PDDs for the zone, ensuring timely completion


- Monitoring documentation deferrals and overseeing the collection of PDDs


- Managing portfolio quality and ensuring compliance with policy norms


- Monitoring borrower portfolio performance and preparing periodic reports


- Monitoring portfolio performance based on Non-Starters & Early Delinquency


- Analyzing delinquency across sourcing channels, products, and customer segments


- Collaborating with Technical, Collection, and RCU teams to ensure a high-quality portfolio


- Providing training to credit underwriters on policy norms and offering insights for policy/process

improvements


- Recruiting, training, and mentoring the credit team


- Ensuring effective communication and teamwork within the team


- Monitoring competitors' activities and meeting competitors regularly to understand changes in the

portfolio and market trends


- Resolving audit queries and sharing underwriting gaps


- Providing inputs to the analytics team for building portfolio analytics and scoring models


What you need to have:


- Graduate/Post-Graduate, MBA/CA preferred


- Minimum 15 years of relevant experience in Home Loan and Mortgage credit assessment


- Excellent credit assessment skills


- Strong communication, interpersonal, and organizational skills


- Problem-solving ability and a customer-centric approach


- Excellent analytical and problem-solving skills, with the ability to train and lead a team

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Posted By

user_img

Akshay Datt

Founder at Unnati

Last Login: 17 June 2024

Job Views:  
252
Applications:  46
Recruiter Actions:  31

Job Code

1360784

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