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Home
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IHFL
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Area Credit Manager

Area Credit Manager

IHFL

5 - 8 years

8 - 12 Lacs

Moradabad

Posted:13 hours ago| Platform:

Apply

Skills Required

Credit Appraisal Credit Underwriting Credit Analysis Credit Approval PD coordination with branch

Work Mode

Work from Office

Job Type

Full Time

Job Description

Professional qualification

mortgages

Essential Experience

To effectively handle a team of credit managers.
To assist the Regional / Zonal Credit Head in planning, coordination and control on underwriting decisioning on retail lending proposals as per the product policy.
To maintain the portfolio quality for his/her product and team in the location,
while ensuring adherence to the policy/process laid out by the central team on all applications being processed.
Responsible for positively impacting client experience by maintaining the
underwriting TAT for team.
To monitor nonstarters/cheque bounce trends, maintain adequate knowledge of
channels and their sourcing pattern.
To ensure audit compliance and regulatory compliance for the location.
To analyze delinquent accounts and prepare report on highest risk accounts
including recommendations for resolution.
To interact with customers to obtain additional credit information to support
credit lines.
To develop processes and procedures for evaluating customer financials and
setting and changing credit lines/limits, as well as credit holds.
To implement effective risk monitoring mechanism with existing clients

Competencies

Excellent organizational skills
Result driven and customer focused
Good understanding of financial analysis
Analytical skills

Experience

5+ Yrs

Essential Skills and Attitudes

Excellent oral and written communication skills
Excellent presentation skills

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