Credit Manager - Loan Against Property - Vikas - Nellore - B V Nagar - MM

You will be responsible for underwriting and managing the portfolio in the assigned branch or location. This involves reviewing and assessing a wide range of complex loan applications within defined guidelines and making decisions or recommending them for approval to higher authorities. You will need to underwrite proposals according to the laid-down policies and procedures to meet agreed service level agreements and manage business volumes in the city or area. Your role will include conducting personal discussions with customers to evaluate their creditworthiness, ensuring completion of credit/KYC documents, and verifying information through telephonic, field, and collateral visits. You must assess income to obligation ratios, understand the rationale behind ratio calculations, and comprehend their impact on loan performance over the loan tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS of the cluster and providing regular reports are key aspects of your responsibilities. Building effective relationships with third parties to achieve the best outcomes for clients, owning client queries, and utilizing industry knowledge to address challenges and solve problems are critical tasks. You will be expected to exceed service quality standards, drive continuous process improvement, and undertake a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation, facilitating quick turnaround of credit lending proposals, and monitoring credit exposures for bankability are essential functions. Managing the credit underwriting function of the branch, collaborating closely with local credit analysts and the sales team, and ensuring adherence to legal and documentation norms and policies are integral parts of your role. Educational Qualification: Post Graduate/ Graduate in any discipline.,