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Tata Capital
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Area Credit Manager-CEQ-Credit Appraisal-Delhi - Videocon Towers-M4-M6

Area Credit Manager-CEQ-Credit Appraisal-Delhi - Videocon Towers-M4-M6

Tata Capital

6 - 11 years

7 - 12 Lacs

Mumbai

Posted:2 weeks ago| Platform:

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Skills Required

risk management credit analysis credit appraisal corporate finance credit policy business loan credit underwriting credit risk credit management disbursement credit approval underwriting mortgage hub lap home loans mortgage loans ca finance

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are looking for a skilled professional with 6 to 11 years of experience to underwrite corporate finance business and manage the portfolio in assigned areas. The ideal candidate will have a strong background in credit appraisal and risk management. Roles and Responsibility
Support and collaborate with business teams to manage end-to-end credit approval for designated regions.
Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy.
Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests.
Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level.
Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases.
Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays.
Coordinate with the recoveries team and generate business insights.
Lead a team of credit approvers to ensure portfolio quality and delinquencies.
Engage in developing, implementing, reviewing, and monitoring various credit programs, providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB.
Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans.
Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy.

Job
MBA/PGDBA/PGPM/CA or equivalent degree.
Minimum 6 years of experience in credit appraisal and risk management.
Strong knowledge of credit policies, procedures, and regulations.
Excellent communication and leadership skills.
Ability to work in a fast-paced environment and meet deadlines.
Strong analytical and problem-solving skills.
Experience in leading a team of credit approvers to ensure portfolio quality and delinquencies.
Skills in development, implementation, review, and monitoring of various credit programs, along with training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB.
Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans.
Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy.

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Tata Capital

Financial Services

Mumbai Maharashtra

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Area Credit Manager-CEQ-Credit Appraisal-Delhi - Videocon Towers-M4-M6