Technical Manager (CRM - Real Estate Valuation Group) - Chennai

Job description

Technical Manager (CRM - Real Estate Valuation Group) @ YES Bank, Chennai ROLE SUMMARY • Ensure quality Appraisal of credit for worthy borrowers. • Ensure timely credit and transaction approvals for delegation under self. • Follow up with seniors for credit / transaction approvals. • Managing loan portfolio with respect to credit rating/quality. • Identify de risk account / AL accounts. • Monitoring of Team TAT and Productivity. • Ensuring adherence to the credit policy and process. • Review of Delinquency • Review exceptions and approval for knocking. • Respond on the Hindsight and Internal audit observations • Conduct monthly Regional Council Meetings with all the stakeholders. KEY RESPONSIBILITIES Strategic/Managerial Responsibilities • Discussion of observations with Seniors ACH / RCH/ National Credit Manager and Chief Credit Officer • Assessment of Credit Proposal / Case for his respective location / region • Presentation of key observations to Senior Management on periodic basis • Managing a team & drive the results/ goals set for self & Team. Core Responsibilities • Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal • Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level • Monitoring of delinquency, exceptions, portfolio movement. • Maintaining data as required by the Senior Management People Management or Self-Management Responsibilities • Active participation in process re-engineering related to product / process • Collaborate with business, OSD & Policy team for any change in the process/policy. • Self-driven, goal oriented & dynamic in nature. Risk and Internal Control Responsibilities • Identify the gaps in the process & highlights to the Senior Management • Suggestion for changes in Policy