- Expert knowledge of assessing credit risk for Home Loan by applying Deposit of Title Documents and Registration of Mortgage guidelines.
- Conduct income appraisal of salaried and self-employed borrowers. In depth understanding and analysis of P &
- L Account and Balance Sheet including cash flows of self-employed borrowers.
- Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
- Provide Market intelligence from a competition and customer stand point
- Recommendations on new processes & fraud Control initiative etc
- Manage Credit Officer’s team
- SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
- Manage entire Area underwriting teams
- Handling portfolio from 50 Cr to 200 Cr
- Supervising the monthly disbursement of 60-150 files from the assigned area
- Effective TAT management by credit team
- Ensure to strengthen area credit team to include more responsibilities
- To manage direct and indirect team of close to 4-10 people.
- Involve in process reengineering, Audits, Policy change discussions etc.
- KEY DUTIES &
RESPONSIBILITIES OF THE ROLE
Business
- Ensure Credit policy and process adherence in the Cluster.
- Co-ordinate with Legal &
- Technical Agencies.
- Guide/Monitor Credit Officers of the cluster.
- Ensure timely training to branches in the cluster.
- Suggest Policy revisions in line with changing market conditions.
Customer
- Expert knowledge of customer segments in various markets of India and their performance histories.
- Expert knowledge of negative profiles, negative property types and negative property locations
- Complete understanding of various collateral types of all regions and cities in India and their title documentation requirements for creation of equitable mortgage
- Knowledge of property valuation process through vendors and knowledge & keen
- interest in monitoring current property price / historical property prices.
- Meet appropriate customers for understanding of their needs
- Conduct underwriting for cases under purview
- Pick up EWS for the set of clients in his area
- Maintain portfolio quality of the Cluster as per company norms.
- Monitoring and tracking of HL Loan cases.
- Maintain various standard MIS for HL Loan.
- Ensure various reports are being sent to stakeholders on monthly basis & at regular frequencies.
Internal Process
- Appropriate Intervention to manage ground level risk effectively.
- Ensure adherence to RBI regulations on documentation and KYC compliance.
- LUC and periodic loan monitoring framework
- Provide Audit Compliance.
- Timely hiring of Credit Officer for the Cluster as per the budget
Learning &
- Performance
- Maintain up to date knowledge of HL and other related products.
- Upgrade self and team about changes happening in the market.
- Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives
- Ensure on time appraisal and suggest suitable career paths for staff
Note: Highlight only the critical baseline responsibilities; and not activities that the role holder might do on an ad-hoc/on-off case
- MINIMUM REQUIREMENTS OF KNOWLEDGE &
- SKILLS
Educational
Qualifications
- Graduate or Post graduate (preferred MBA) from a reputed college.
Experience(Years and Core Experience Type)
- Preferred experience of 4 years or more in Credit Home loans/Mortgage Loans/MSME Loans Loan products.
- Team handling is a must.
Certifications
- NA
Functional Skills
- Knowledge of Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts
- Business Analysis Skills
- Communication Skills.
Behavioral Skills
- Team Management Skills
- Leadership
- Possesses good interpersonal skills.
Competencies
- NA
PREPARED BY: Credit Housing DATE: 30-01-2024
REVIEWED BY: Anand Devata
DATE: 30-01-2024
LAST UPDATED BY: TM Team
DATE: 30-01-2024
📌 Cluster Credit Manager - Housing (CCM) (Navi Mumbai)
🏢 Ujjivan Small Finance Bank
📍 Navi Mumbai
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