Location
Delhi | India
Job description
- Review and assess housing loan applications for creditworthiness, evaluating borrower profiles, financial statements, and property valuations.
- Analyze credit risk, repayment capacity, and collateral adequacy to make informed lending decisions.
- Approve or recommend loan applications based on established credit policies and risk parameters.
Credit Policy and Compliance:
- Ensure strict adherence to credit policies, guidelines, and regulatory requirements during the evaluation and approval process.
- Stay updated with changes in lending regulations and industry best practices to maintain compliance.
Team Management:
- Lead, mentor, and manage a team of credit analysts and underwriters within the designated zone.
- Provide guidance, training, and feedback to the team to enhance their performance and development.
Portfolio Quality and Risk Management:
- Monitor the quality of the loan portfolio within the zone, identifying potential credit risks and taking proactive measures to mitigate them.
- Implement strategies to reduce non-performing loans and maintain a healthy loan portfolio.
Cross-functional Collaboration:
- Collaborate with Sales and Operations teams to streamline the loan application process and ensure a seamless customer experience.
- Work closely with Legal and Compliance teams to address any legal or regulatory issues related to credit decisions.
Reporting and Analysis:
- Generate regular reports and analyses on loan approval trends, portfolio quality, and credit risk metrics for management review.
Customer Relationship Management:
- Engage with customers, brokers, and other stakeholders to address credit-related queries and provide guidance on loan eligibility and requirements.
- Rejection of non-doable cases with appropriate reasons.
- Managing the Sanctions /Decision of the cases within defined TAT with complete adherence to Policy & Process.
- MIS & Reporting for all cases logged-in
- Audit/Quality Audit Handling.
- Coordination with vendors for getting reports on time and as per expected quality.
Job tags
Salary
