Area Credit Manager (Underwriting)
Gratitude IncArea Credit Manager (Underwriting)
Job Description
Key Skills
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Job Purpose
The role incumbent will be responsible for heading the credit unit for the location & manage end-to-end credit underwriting and disbursal of mortgage retail loans
Role
To manage & build-up a good quality book and ensure that the entire location team is principally aligned towards risk balance and at the same time be able to manage good business volumes
Should have a good hold on the location with an in-depth knowledge of the local property laws etc & has a sound knowledge of the nuances of the local Self-Employed / SME segment
Credit assessment and underwriting of mortgage loan applications based on product and policy norms – end to end from login to disbursal of loans
In-person / virtual meetings and discussions with customers
Ensure continuous support and training for all the verticals at the location
Responsible for maintaining the processing TAT
Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and policies
Partner in terms of providing policy inputs to Risk teams which will formulate the right policy for Godrej Capital
Qualification & experience
Years of experience – 5 to 8 years
Mandatory Qualification – Chartered Accountant/ MBA in Finance
Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role
Sound financial knowledge of P&L / Balance Sheet and financial ratios
Essential skills
Independent, Influential & articulative
Ability to work in unstructured and evolving situations with an open mind
Work in large and varied teams and deliver individual requirements within the same
Adhere to expected TAT without compromising on quality
Taking of initiatives, strong execution skills, forward thinking ability to anticipate hurdles
Ability to understand customer needs and be responsive
Technology skills – understanding of and working with existing market technologies in the mortgage industry
Sal 22lacs max
Exp 5 -8 yrars
There r 2 types of lap
Micro 5lacs to 2 crore roi 10 to 18 percent
Prime 6 to 10 percent
We are looking for micro lap for self employed wid min 35 lacs to 2 CR loan ticket size
No relocation candidates only from chennai
Role
Any Other
Timings
Rotational Shifts (Permanent)
Industry
Other
Work Mode
Work from office
Functional Area
Any Other
Note: Myglit doesn't charge any money from candidates. If you have been asked to pay money to get this job then report to us immediately at support@myglit.com.
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