OY-917 | Credit Manager

OY-917 | Credit Manager

24 Dec
|
HRM Solutions
|
Noida

24 Dec

HRM Solutions

Noida

Roles and Responsibilities

Credit underwriter have onus for assessing the risk of a borrower being able to repay their loan to the lender, decision the loan adhering to the regulatory guidelines and company policy & procedures as well

• Underwrite and decision loans to comply with state and federal regulations. Should be able to

underwrite all Tiers, including complex loan transactions.

• Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or

recommend for approval to higher authorities.

• Underwriting cases with desired level of quality and enabling achievement of Branch Business target by proper training.



• To evaluate proposals of customers for Business loans secured and unsecured, loan against

properties salaried and self-employed both, desirable knowledge of personal loans

• Use performance history along with liquidity, debt/asset management and profitability ratios to

assess creditworthiness in evaluation.

• Interact with Customers & understand the business and regularly monitor delinquencies / infants.

• Decision making within defined TAT.

• Credit and collection visits to customers

• Ensuring compliance with company policies and guidelines.

• Analyze appraisal report and collateral offered in the loan application to determine acceptability and appropriate loan to value ratios for decisions.

• Having sound knowledge of property documents like title deed, mutation, registered mortgage and lien marking and other financial mortgage knowledge like FD, shares, insurance, bonds, securities & etc.

• Perform Income calculation, debt to income ratios, review/analyze complex asset statements,

financial statements, as well as personal and business income tax returns to render a decision.

• Analyze and review title opinions for decisioning on all loan applications.

• Documenting and effectively communicating reasons for the approval/rejection of loans.

• Decision and review completion of the required conditions to approve loan and communicate

requirements to appropriate parties.

• Frequent client visits to understands the proposal and business of customers not a back-office job

• Understanding of credit policies and their drafting

• Maintain good relationship with sales, collections, risk control unit , operations and other functional areas



Education:



MBA finance/ CA/ CMA/CS/CFA

The original job offer can be found in Kit Job:
https://www.kitjob.in/job/20487854/oy-917-credit-manager-noida/?utm_source=html

Reply to this offer

Impress this employer describing Your skills and abilities, fill out the form below and leave Your personal touch in the presentation letter.

Subscribe to this job alert:
Enter Your E-mail address to receive the latest job offers for: oy-917 | credit manager
Publish a new Free Offer
Need to publish an offer? With more than 1 million unique users per month, you will find the ideal candidate for your company instantly, what are you waiting for!
Publish Now

Subscribe to this job alert