Manager - Retail Credit - Credit - Housing - EM - Durg - Uplabdhi Plaza - JM

Tata Capital

Durg, Chhattisgarh, India

· To underwrite mortgage business and manage the portfolio in assigned branch/location

Core Responsibilities:

o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.

o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.

o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.

o 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.

o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.

o Build and facilitate the best outcomes for clients by building and leveraging effective relationships... More Detail

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