Roles & Responsibilities – Territory Credit Manager (LAP) | NBFC
Evaluate and underwrite Loan Against Property (LAP) proposals as per company credit policy.
Conduct Physical Personal Discussions (PD) and customer visits to assess business profile, income, and repayment capacity.
Analyze financial statements, bank statements, ITRs, GST returns, and credit bureau reports.
Review legal, technical, and property valuation reports before recommending loan approval.
Identify and mitigate credit risks while maintaining portfolio quality.
Coordinate with Sales, Operations, Legal, Technical, and Risk teams for smooth loan processing and disbursement.
Ensure compliance with internal credit policies, RBI guidelines, and regulatory requirements.
Maintain defined Turnaround Time (TAT) for credit decisions and loan approvals.
Monitor portfolio performance and support collections in resolving credit-related issues.
Assist in credit audits, policy implementation, and continuous process improvements.
Provide guidance and support to branch credit teams within the assigned territory.
Prepare and present credit recommendations to the approving authority while ensuring quality underwriting standards.

📌 Territory Credit Manager Mumbai (India)
🏢 Rayana Events
📍 India