loan and credit manager

Tata Capital Ltd

<div><p>10795
</p><div><div><div><div><p>&middot; To underwrite mortgage business and manage the portfolio in assigned branch/location<br>
 </p></div></div><br>
</div></div><p></p><div><div><div><div><p><b>Core Responsibilities:
</b></p><p>o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
</p><p>o Under write proposals as per the laid down policies &amp; procedure to honour the agreed SLAs and manage city/area business volumes.
</p><p>o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field &amp; collateral visits.
</p><p>o 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.
</p><p>o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
</p><p>o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
</p><p>o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
</p><p>o Exceed service quality standards and strive for continuous process improvement
</p><p>o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
</p><p>o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
</p><p>o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
</p><p>o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
</p><p>o Facilitate critical review and documentation of the proposals and effectively monitor the client &amp; collateral creditworthiness from the pre sanction to post disbursement phase &amp; undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal &amp; documentation norms &amp; policies
</p><p>o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
</p><p>o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.<br>
</p><p></p><div><div><div><div><p><b>Qualification </b>: Graduate, Masters/Post Graduate
</p><p>Certifications <b>: </b>CA/MBA (Preferable)</p></div></div></div></div></div></div></div></div></div>

Manager - Retail Credit - Credit - Housing - DM - Hyderabad - Auto Plaza - JM

Manager - Retail Credit - Credit - Housing - DM - Tirupati - SRB Enclave - JM

<div><p>To underwrite and manage the portfolio in assigned branch/location
<br>
1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
</p><p>2. Under write proposals as per the laid down policies &amp; procedure to honor the agreed SLAs and manage city/area business volumes.
</p><p>3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field &amp; collateral visits.
</p><p>4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure.
</p><p>5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
</p><p>6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
</p><p>7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
</p><p>8. Exceed service quality standards and strive for continuous process improvement
</p><p>9. Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
</p><p>10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
</p><p>11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.
</p><p>12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
</p><p>13. Facilitate critical review and documentation of the proposals and effectively monitor the client &amp; collateral creditworthiness from the pre-sanction to post disbursement phase &amp; undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal &amp; documentation norms &amp; policies
</p><p>14. Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
</p><p>Post Graduate/ Graduate in any discipline</p></div>

Credit Manager - Business Loans - Credit - Guwahati - Royal Arcade - JM

Manager - Retail Credit - Credit - Housing - EM - Tiruvannamalai - Kanji Road - JM

<div><div><div><div><div><p>&middot; To underwrite mortgage business and manage the portfolio in assigned branch/location<br>
 </p></div></div><br>
</div></div><p></p><div><div><div><div><p><b>Core Responsibilities:
</b></p><p>o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
</p><p>o Under write proposals as per the laid down policies &amp; procedure to honour the agreed SLAs and manage city/area business volumes.
</p><p>o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field &amp; collateral visits.
</p><p>o 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.
</p><p>o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
</p><p>o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
</p><p>o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
</p><p>o Exceed service quality standards and strive for continuous process improvement
</p><p>o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
</p><p>o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
</p><p>o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
</p><p>o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
</p><p>o Facilitate critical review and documentation of the proposals and effectively monitor the client &amp; collateral creditworthiness from the pre sanction to post disbursement phase &amp; undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal &amp; documentation norms &amp; policies
</p><p>o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
</p><p>o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.<br>
</p><p></p><div><div><div><div><p><b>Qualification </b>: Graduate, Masters/Post Graduate
</p><p>Certifications <b>: </b>CA/MBA (Preferable)</p></div></div></div></div></div></div></div></div></div>

Manager - Retail Credit - Credit - Housing - EM - Siliguri - Sona Wheels - JM

Manager - Retail Credit - Credit - Housing - DM - Bengaluru - Kengeri - JM

<div><p>10796
</p><div><div><div><div><p>&middot; To underwrite mortgage business and manage the portfolio in assigned branch/location<br>
 </p></div></div><br>
</div></div><p></p><div><div><div><div><p><b>Core Responsibilities:
</b></p><p>o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
</p><p>o Under write proposals as per the laid down policies &amp; procedure to honour the agreed SLAs and manage city/area business volumes.
</p><p>o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field &amp; collateral visits.
</p><p>o 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.
</p><p>o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
</p><p>o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
</p><p>o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
</p><p>o Exceed service quality standards and strive for continuous process improvement
</p><p>o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
</p><p>o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
</p><p>o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
</p><p>o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
</p><p>o Facilitate critical review and documentation of the proposals and effectively monitor the client &amp; collateral creditworthiness from the pre sanction to post disbursement phase &amp; undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal &amp; documentation norms &amp; policies
</p><p>o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
</p><p>o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.<br>
</p><p></p><div><div><div><div><p><b>Qualification </b>: Graduate, Masters/Post Graduate
</p><p>Certifications <b>: </b>CA/MBA (Preferable)</p></div></div></div></div></div></div></div></div></div>

Manager - Retail Credit - Credit - Housing - DM - Hyderabad - Gachibowli - MM

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