Area Credit Manager - LAP

Roles And Responsibilities

• Undertake a thorough and comprehensive single window credit assessment process, which can serve as the enabler to offer right loan products to customers for loan against property
• Undertake the credit assessment process within defined turn-around-time (TAT)
• Focus on delivering best in class service and transaction experience to customers in every engagement
• Consider key market nuances in the credit underwriting process
• Undertake comprehensive opportunity capturing while conducting credit assessment
• Keep a focus on creating high quality portfolio
• Manage the complete life-cycle of loan process, through credit application till disbursement
• Keep a track of market factors, indices, policies and regulations and identify the impact on credit portfolio and decisioning
• Ensure post disbursement documents and covenant management
• Work closely with internal teams such as legal, technical valuation, filed investigation, risk containment amongst others
• Monitor loan utilization, repayment capacity, adherence to policy/guidelines and loan covenants and other critical process and compliance checks

Candidate Profile Required

• Post Graduate preferred with 5-8 Years of relevant work experience.
• Prior experience in channel management for LAP, HL, Secured Loans