Roles and Responsibilities
To Handle the Team of ACMs/BCMs. Underwriting and Decision of Home loan/loan against property files sourced by sales team. Maintaining TAT as per guidelines and taking case to decision point. Will manage the complete State with team. Assessment of borrowers profiles, repayment capacity and income stability. Understand and interpret results of financial analysis, banking analysis and bureau reports. Analysis of all customer-related information in line with credit & risk policy to check eligibility. Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement. Study, analysis and interpretation of legal & technical reports of property. Maintain the right quality of Portfolio & ensure the Delinquency numbers are with in control. Draft & Design the local policies to enable the organisation for right mix of customers at desired yield.
