Credit Manager

Description
Responsible For upholding the piramal Brand by preparing Quality Proof proposal document detailing the loan eligibility as underwriting/Saction procedure for approving/Rejecting Loan Applications Procured by Sales

Conduct meetings and personal discussion (PD) with customers to understand their business, profile and loan requirement, and visiting business premise, property and residence of customer at the time of PD
Assess borrowers profiles, repayment capacity and income stability to understand credit worthiness of customer by analysis of all documents, observation & findings of PD
Analyse all customer related information in line with credit & risk policy to check eligibility
Understand actual business income & expenses (other than reported income) of customer
Interpret results of financial analysis, banking analysis and bureau reports
Study, analyse and interpret legal & technical reports of property and other internal check reports
Responsible for Underwriting and sanction of Home loan/loan against property files sourced by sales team and preparing the required proposal document detailing the loan eligibility
Revert on post sanction conditions prior to disbursement based on queries raised by the team
Provide recommendation on complex cases to supervisors for seeking necessary decision based on deviation/ approval matrix
Co-ordinate and communicate with different departments
Maintain TAT as per guidelines
Adhere to the policy/ process laid out by the Central team on all loan applications being processed
Closely monitor on non-starters/first EMI bounce trends