10326

To underwrite and manage the portfolio in assigned branch/location
1. Review and assess a broad range of complex loan applications
within defined guidelines and accordingly take decision or recommend for
approval to higher authorities.

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

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

4. Assess income to obligation ratios, in depth knowledge of rational
behind calculation of ratios and its impact on loan performance during the loan
tenure.

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

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

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

8.



Exceed service quality standards and strive for continuous process
improvement

9. 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.

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

11. Enable quick turnaround time of credit lending proposals for the
business in close liaison with the sales team.

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

13. 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 & docume

📌 Credit Manager (India)
🏢 Tata Capital
📍 India