Assistant Manger - Credit

Talent Leads Consultants
  • Guntur
  • Confidential
  • 4-7 years
  • Views
  • 25 Apr 2018

  • Finance/ Accounts

  • Recruitment/ Staffing
Job Description

Job Purpose Statement - To ensure quality of portfolio by accurate assessment of the creditworthiness of potential customers before sanctioning loan and maintain the original documents properly Duties and Responsibilities - Responsible for supervising the Credit functions of the region Repayment capacity appraisal, due diligence checks, etc. Monitoring legal & Technical appraisals Ensuring speedy disbursals of Home Loans Monitoring proper documentation of loan files of the region Monitor the competitors market activities and recommend future strategies Customer service - Attending to customer inquires / grievance on a timely basis, monitoring and redressing customer grievances and finding solutions for the chronic issues. Train Supporting Staff on Policies & Procedures Audit to ensure that the conditions specified in the disbursement advice have been adhered to and that all loan documents are duly filled and stamped / franked Random verification of properties financed during branch visits Verifying files where subsequent disbursement request are not forthcoming within a specified time frame Ensure all NHB norms and audit requirements are being adhered to Key Challenges Travelling long distances to get the required documents prior to disbursement Educating the customers and the customer managers about various documents and their importance Decision making authority Sanction processing / rejecting the case based on merits Raising appropriate queries in files & dockets to ensure compliance Planning the schedule for which file should be disbursed on priority


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