Manager - Retail Credit Job in Thiruvananthapuram at Tata Capital

Tata Capital is hiring for the role of Manager - Retail Credit!

Responsibilities of the Candidate:

• Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes
• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visit
• Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures
• Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same
• Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
• Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
• Exceed service quality standards and strive for continuous process improvement
• Undertake a critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal
• Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal
• Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team
• Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable
• Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
• Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team
• Follow up and ensure recovery of quick mortality cases between 12 -18 MOV

Requirements:

• Qualifications: Graduate, Masters/Post Graduate
• Certifications: CA/MBA (Preferable)