State Manager Credit

Talent Leads Consultants
  • Bangalore
  • 7-10 lakh
  • 9-12 years
  • Views
  • 17 Jul 2017

  • Finance/ Accounts

  • Financial Services/ Capital Markets
Job Description

1 Responsible for supervising the Credit functions of the region
2 Monitoring legal & Technical appraisals
3 Ensuring speedy disbursals of Home Loans
4 Monitoring proper documentation of loan files of the region

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
1 Random verification of properties financed during branch visits
2 Analysis and appraisal of special cases - Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines
3 Monitor the strict adherence to credit related regulations
4 Timely review and approval/rejection of credit requests
5 Provision of information requested by regulatory bodies and auditors
6 Value addition to credit requests: Identifying critical risks in credit requests and providing alternative routes by restructuring the request to make it viable
7 Ensures proper documentation for all approved loans are maintained and processes are adhered to by CLT
8 Define credit approval framework and recommend credit approval limits in line with the company policy
9 Effective training of subordinates to maintain quality portfolio
10 Ensure proper monitoring and control of credit.
Close follow up of with NPA cases.
11 Providing approvals for loans above prescribed limit
12 Customer property visits on a random basis
13 Training, guiding motivating and supporting Credit officers, legal officers and technical officers in the region
14 Provide training on credit processes, customer risk management and documents required for loan disbursement to CLT and sales force
15 Regular review of MIS submitted by CLT
16 Value addition to credit requests: Identifying critical risks in credit requests and providing alternative routes by restructuring the request to make it viable
17 Ensures proper documentation for all approved loans are maintained and processes are adhered to by CLT


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