Tata Capital - Credit Manager

Job Purpose :

- Support and co-partner with the sales team to underwrite mortgage business and manage the portfolio for the assigned area

Responsibilities :

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

- 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.

- 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.