Credit Manager

Job description

Key Responsibilities & Duties: • Credit Underwriting & Analysis: Evaluate creditworthiness for affordable housing and secured loans (LAP) by analyzing financial documents, income, and bank statements. • Risk Management: Manage risks associated with housing loan portfolios, conducting personal discussions (PD) with applicants to verify authenticity. • Compliance & Policy adherence: Ensure all loan applications adhere to internal credit policies and regulatory guidelines set by RBI and the bank. • Loan Processing & Documentation: Oversee the loan documentation process, including Memorandum of Deposit of Title Deed (MODT). • Portfolio Management: Monitor front-end delinquencies and maintain quality of the loan portfolio