Tata Capital - Credit Manager - Mortgage Business - AHF

Job Purpose

To underwrite mortgage business and manage the portfolio in assigned branch/location

Core Responsibilities:

- Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.

- Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.

- Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.

- Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.

- Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.

- Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties

- Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems

- Exceed service quality standards and strive for continuous process improvement

- Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.

- Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.

- Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.

- Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.

- Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies

- Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

- Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.