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Cluster Credit Manager

3.00 to 8.00 Years   Chennai, Hyderabad, Coimbatore   11 Jul, 2022
UCHIT SOLUTION
Job LocationChennai, Hyderabad, Coimbatore
EducationNot Mentioned
SalaryNot Disclosed
IndustryBanking / Financial Services
Functional AreaFinance / Accounts / Tax
EmploymentTypeFull-time

Job Description

    Position: Cluster Credit ManagerExperience: 3 - 8yearsQualification: BCom/Mcom/MBA Finance/ICWA/CA InterLocation:Bengaluru/Hyderabad/Cochin/Davangere/Mysore/Bidar/Tumkur/Vizag/Vijaywada/antapura/Ongole/Warangal/Coimbatore/Thrissur/Mandya/Chennai/Across SouthGeneral Job Responsibility
    • Managing Credit and Operations for Home Loans of the Region.
    • Credit appraisal as per policies, procedures, and credit underwriting guideline.
    • Maintenance of TAT, Compliance, policies and procedures.
    • Customer Application Screening, KYC and Income documents as
    • collected by SO for login.
    • Initiate legal, valuation, CIBIL and other verification reports
    • Interpretation of Credit Bureau Report
    • Analysis of Bank Statements and other relevant documents for
    • income assessment.
    • Meet customers and do business and income earning capacity as
    • per the Credit Manual & Guidance Notes
    Tactical
    • Co-ordinate with SO for post approval activities like Loan
    • documentation check, Sanction conditions adherence, PDC and
    • NACH forms accuracy and send the file to HO for disbursements.
    • Responsible for tracking and collecting all Post Disbursed
    • Documents including Loan Closure letters on takeover, Collecting
    • Sale Deeds for new purchases and sending to HO.
    • Responsible for PDC/NACH replenishment to ensure regular repayment of EMI.
    • Interact with the customer in order to determine the loan requirement, purpose of loan, income sources.
    • Verify the documents that have been provided by the customer and request for pending documents through concerned team.
    • Post login of file into the system, conduct verification or initiate for verifications through third party, wherever available as per guidelines received by Head Office.
    • Conduct personal discussion to resolve all queries related to issues identified during verifications.
    • Documentation and credit approval
    • Prepare the proposal document detailing the loan eligibility after analyzing customer data and as per credit guidelines.
    • Approve cases for loan eligibility up to limit that has been assigned and recommend cases to higher authorities as per policy
    • Generate offer letter for the customer, collect property documents, and initiate technical and legal verification.
    • To complete post sanction formalities related to checking of documents, execution of loan documents, collections of additional documents & PDCs as per the guidelines and prepare the docket inclusive of all income/ property/ customer related documents.
    AuditTo participate in the monthly audit and assist the auditors in all queries and take actions for all audit inconsistency in a timely manner.Regards,HREmail ID - hidden_emailContact Number : hidden_mobile

Keyskills :
tatcredit management

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