Credit Manager - Bharat Business Loans - Credit

1. Credit Assessment & Underwriting:
Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level.
Assess borrower profiles, financial statements, and property documents to determine creditworthiness.
Perform due diligence, including Customer meeting, tele verification check, CIBIL/credit bureau checks, banking analysis, and market references.
Ensure that loan proposals align with the company's credit policy and risk appetite.

2. Loan Processing & Decision Making:
Approve loan applications within the designated authority limit andrecommend higher-value proposals as required.
Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement.
Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies.

3. Risk & Portfolio Management:
Monitor the portfolio for early warning signals, delinquencies, and fraud detection.
Work closely with the collections team to ensure timely follow-ups on overdue accounts.
Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book.

4. Compliance & Audit:
Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements.
Maintain proper documentation and ensure audit readiness at all times.
Work with internal and external auditors to ensure smooth audit processes.

5. Stakeholder & Team Management:
Provide training and guidance to sales and credit teams on loan policies and credit evaluation.
Collaborate with business teams to ensure a balance between growth and risk management.
Engage with legal and technical vendors for smooth processing of loan approvals.

Key Skills & Competencies:
Strong understanding of LAP & Affordable Housing Loans underwriting.
Knowledge of legal & technical aspects related to property financing.
Experience in credit risk assessment, financial analysis, and portfolio monitoring.
Familiarity with CIBIL, CRIF, and other credit assessment tools.
Attention to detail, decision-making ability, and problem-solving skills.
Excellent communication and stakeholder management skills.