Branch Credit Manager

Hi,

If you are looking for a change and would like to explore this opportunity, respond with following details along with a copy of resume.

1. Updated CV

2. Present compensation

3. Motivation for change

Uchit Solutions, Leading & Preferred PAN India Sourcing Partner in BFSI/IT Space/Manufacturing/BPO Hiring for their Reputed Clients Across Levels.

Company : Leading Housing Finance

Position: Branch Credit Manager

Experience: 3 - 8years

Qualification: BCom/Mcom/MBA Finance/ICWA/CA Inter

Location: Bengaluru/Hyderabad/Cochin/Davangere/Mysore/Bidar/Tumkur/Vizag/Vijaywada/antapura/Ongole/Warangal/Coimbatore/Thrissur/Mandya/Chennai/Across South

No of Openings : 25 Positions

Department : Credit

Reports to : Regional Credit Head

General Job Responsibility

Managing Credit and Operations for Home Loans of the Region.

Credit appraisal as per policies, procedures, and credit underwriting guideline.

Maintenance of TAT, Compliance, policies and procedures.

Customer Application Screening, KYC and Income documents as

collected by SO for login.

Initiate legal, valuation, CIBIL and other verification reports

Interpretation of Credit Bureau Report

Analysis of Bank Statements and other relevant documents for

income assessment.

Meet customers and do business and income earning capacity as

per the Credit Manual & Guidance Notes

Tactical

Co-ordinate with SO for post approval activities like Loan

documentation check, Sanction conditions adherence, PDC and

NACH forms accuracy and send the file to HO for disbursements.

Responsible for tracking and collecting all Post Disbursed

Documents including Loan Closure letters on takeover, Collecting

Sale Deeds for new purchases and sending to HO.

Responsible for PDC/NACH replenishment to ensure regular

repayment of EMI.

Interact with the customer in order to determine the loan requirement, purpose of loan, income sources.

Verify the documents that have been provided by the customer and request for pending documents through concerned team.

Post login of file into the system, conduct verification or initiate for verifications through third party, wherever available as per guidelines received by Head Office.

Conduct personal discussion to resolve all queries related to issues identified during verifications.

Documentation and credit approval

Prepare the proposal document detailing the loan eligibility after analyzing customer data and as per credit guidelines.

Approve cases for loan eligibility up to limit that has been assigned and recommend cases to higher authorities as per policy

Generate offer letter for the customer, collect property documents, and initiate technical and legal verification.

To complete post sanction formalities related to checking of documents, execution of loan documents, collections of additional documents & PDCs as per the guidelines and prepare the docket inclusive of all income/ property/ customer related documents.

Audit

To participate in the monthly audit and assist the auditors in all queries and take actions for all audit inconsistency in a timely manner.

Salary : Negotiable

Regards,

Amarnath

Lead TA

Uchit Solutions/Miracles Unlimited

Email ID -

Contact Number : 7019280282