Job Description

Job TitleState Credit Manager, Rural Mortgage Function / DepartmentRiskDepartment HeadEVP & CROReporting ManagerNational Credit Manager
Describe the KPIs against each perspective

Should have Lap and Home Loan underwriting experience.
Robust Analytical skill, should have ability to review and understand Lap & Home Loan applications
Analysis of application to assess credit risk in line with the company policy
Decisions and sound judgment within Delegated Credit Authority
Identify and drive changes within the team and support team members
High level of Credibility in respect to recommendations and decisions made.
Should have Credit underwriting authority in current organization.

Decision making authority

Describe the authority permitted to take decisions, and those you are expected to recommend

AreaDecisions takenDecisions recommendedResolution TAT Process Changes Communication
Other factors relevant to the job





Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills)1Demonstrate core company values, including high integrity and ethics2Relationship building and customer management skills3Ability to comprehend risk inherent to customer business4Result/ achievement orientation 5People management skills6Interpersonal skills 7Multi-tasking & prioritization8High resilience, energy and initiative9Systematic & Meticulous 10Well networked in locality with respect to customers / financiers & Association office bearers.

Expertise required/ Domain Knowledge:

No. of years of relevant experience:

Extensive management experience with minimum 9 years quality experience in underwriting for LAP & Home Loan product.

Any specific specialization/education : Minimum qualification graduate, preferred with additional MBA.

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📌 State Credit Manager, Rural Mortgage - South Karnataka (Tumakuru)
🏢 SMFG INDIA CREDIT
📍 Tumakuru