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State Credit Head

15.00 to 18.00 Years   Hyderabad   17 Jan, 2024
Unnati
Job LocationHyderabad
EducationNot Mentioned
SalaryNot Disclosed
IndustryFinancial Services
Functional AreaRisk / UnderwritingOperations Management / Process Analysis
EmploymentTypeFull-time

Job Description

    As a State Credit Head will be responsible for overseeing the appraisal and approval of proposals, ensuring adherence to credit policies, and maintaining a high-quality loan portfolio.What you wil do:Evaluating informal income and customer profiles for Home Loan and Mortgage applications Undertaking credit appraisal and underwriting of loan files, analyzing financial status and credit evaluations Supervising credit underwriters in the appraisal and approval of loan proposals Ensuring adherence to turn around times (TAT) and support business requests Assessing customers sourced by the Sales team according to credit policy Determining deviations and exceptions, providing decisions on deals (approve / suggest modified terms / decline) Highlighting key risks, structure exposure, and presenting proposals to the credit committee Tracking OTCs & PDDs for the zone, ensuring timely completion Monitoring documentation deferrals and overseeing the collection of PDDs Managing portfolio quality and ensuring compliance with policy norms Monitoring borrower portfolio performance and preparing periodic reports Monitoring portfolio performance based on Non-Starters & Early Delinquency Analyzing delinquency across sourcing channels, products, and customer segments Collaborating with Technical, Collection, and RCU teams to ensure a high-quality portfolio Providing training to credit underwriters on policy norms and offering insights for policy/process improvements Recruiting, training, and mentoring the credit team Ensuring effective communication and teamwork within the team Monitoring competitors activities and meeting competitors regularly to understand changes in the portfolio and market trends Resolving audit queries and sharing underwriting gaps Providing inputs to the analytics team for building portfolio analytics and scoring modelsWhat you need to have:Graduate/Post-Graduate, MBA/CA preferred Minimum 15 years of relevant experience in Home Loan and Mortgage credit assessment Excellent credit assessment skills Strong communication, interpersonal, and organizational skills Problem-solving ability and a customer-centric approach Excellent analytical and problem-solving skills, with the ability to train and lead a team

Keyskills :
credit assessmentcredit appraisalhome loanscredit managementcredit evaluations

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