Job Description
Job Title : Regional Credit Construction Finance
Band / Grade: 3
Reporting To : Lead Credit LAP & CF
Department : Corporate Finance Construction Finance
Locations hiring for: Delhi.
Responsibilities For The Job
Key Responsibilities: -
Managing overall credit and risk functions for the areas/locations assigned to him/her
Responsible for processing and underwriting of CF (Construction Finance) deals as per credit policy
Maintaining defined TATs for approval
To facilitate business team, achieve monthly/annual business targets
To ensure adherence to credit policy and defined processes, TAT management, PD management, CAM quality and Fraud Risk Management
Inputs for designing and implementation of credit policy and programmes, recent initiatives, periodical changes in credit policy and programmes based on the inputs provided by sales team and market feedback, providing inputs on product and policy being followed by competitors in the market
To maintain the Portfolio Quality & being responsible for collections, delinquency and NCL management.
Visit Builder Sites/Client Sites and prepare and submit report on project completion /sales velocity/ client s business activity/neighbour/customer feedback etc.
Responsible for PDD monitoring and collateral management
Coordination with Operations team for disbursal and PDD process
Monitoring and management of different vendors viz. Legal Agency, Valuation Agency, CPV Agency, FCU Agency, ROC Search Agency or Stock Audit Agency & other agencies as required.
Vendor TAT management, Vendor Visits, Vendor payments management
Hiring of credit resources as per manpower budgeting, attrition management and performance management
To ensure audit compliance and regulatory compliance for his location/area
To take reference checks for prospective borrowers from market links and existing lenders
Coordinating for training programs for credit/sales team, imparting induction training for their subordinates