Job Description

RC - Regional Technical Manager - Mortgages Credit
INTERNAL USAGE:
No. of Vacancies: Reports to: Zonal Credit Manager Retail Credit
Is a Team leader Team Size:

Grade: SM/AVP
Business: Department: Sub-Department: Retail Credit
Location:
About Retail Credit
The Retail Credit department in the Bank is a Credit Underwriting department and caters to all financial needs of the Retail clientele including Wheels, consumer loans, Mortgages, Cards, Small Business banking and Bharat banking. It is responsible for ensuring smooth credit appraisal process. Retail Credit team is also responsible for portfolio quality of the Retail loans.
AbouttheRole
The Regional Technical Manager manages the valuation, under construction project approval (APF) and vendor management of the Retail Credit vertical for the designated geography. The Regional Technical Manager is responsible for smooth functioning of the property appraisal part and hence managing the portfolio quality and also ensures adherence to the processes designed by the bank
Key Responsibilities




Site visit for collateral properties on case to case basis having some critical observations in valuation report by vendor.

Site visit to under construction projects received for APF approval to get the details about project progress, location, marketability of project, feedback about builder/project etc.

Regular visits to CPC/ASC locations within the geography to resolve query of Sales/Credit team/TM of each location. Regular visit to vendors office.

Due diligence of project approval sent in Pragati application & further recommendations in Pragati for approval to approving authority.

Quarterly monitoring of progress of under construction projects approved in APF.

Regular interaction with valuation agencies and brokers in different markets to get a sense on fair market values of properties in different geographies.

Review of some sample valuation reports to have quality check of report in terms of reporting of de

📌 RC - Regional Technical Manager - Mortgages Credit (Chandigarh)
🏢 Axis Bank
📍 Chandigarh