Branch Credit Manager - Coimbatore

As a Branch Credit Manager at our Corporate office, you will be responsible for managing Credit and Operations for Home Loans. Your role will involve conducting credit appraisals in accordance with policies, procedures, and credit underwriting guidelines. It will be your responsibility to ensure the maintenance of Turn-Around-Time (TAT), compliance with policies and procedures. Your principal accountabilities will include conducting quality checks on the credit process and underwriting standards in alignment with the credit policy of the organization. You will be required to make recommendations to the NCM for approval after evaluating each proposal with a scorecard. Ensuring that the TAT of underwriting is within 5 to 7 days from the login date is a crucial aspect of your role. Additionally, you will interact with Legal, Technical, and RCU vendors to maintain TAT standards and oversee all disbursements as per the Disbursement checklist. On a tactical level, you will provide training to the business team on product knowledge, policies, processes, and scorecards. Following up on post-disbursal documents with branches, monitoring life and building insurance policy statuses, performing bounce analysis, and handling internal and external audits will also be part of your responsibilities. In a supervisory capacity, you will be tasked with ensuring the quality of underwriting and operational processes are of a high standard with no major audit findings. You will guide Branch Credit Managers, identify mistakes, and correct them in real-time to maintain a First-Time-Right percentage of 95%. Your role will involve making suggestions and executing policy and process changes to enhance efficiency. To be successful in this role, you should possess a Graduate/Post Graduate/MBA qualification with 3 to 5 years of experience in Credit Operations and Credit underwriting. Preference will be given to candidates with experience in the Banking & HFC/NBFC industry. Specific skills required for this position include professionalism, relationship-building abilities, feedback gathering, leadership, people management, employee development, administration knowledge, total quality management, process improvement, interpersonal relations, personal effectiveness, and work ethics. If you are passionate about credit management, have a keen eye for detail, and possess strong communication and leadership skills, we encourage you to apply for this challenging and rewarding opportunity.,