Credit Manager-Home Loans

Job RequirementsJob Requirements Job Title –Credit Manager – Home LoansBusiness Unit – Retail BankingFunction – CreditJob PurposeThe role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank.Roles & ResponsibilitiesResponsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumesSupervise a team of credit underwriters and provide guidelinesConduct personal discussion with customers to establish credit worthinessControl and contain front-end delinquencies by calling up customer on first presentationMaking sure completion of credit/KYC documents and verification- telephonic, field & collateral visitsCoordinate with sales to achieve targets and ensure SLAs are metEnsuring credit policy adherence to the accepted standardsManagerial & Leadership Responsibilities: -Educational QualificationsGraduate – Any (Full Time)Post Graduate – Any(Full Time)Experience2 - 5 years of experience in credit.