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Credit Manager- LAP

Early Applicant
  • 4 months ago
  • Be among the first 50 applicants

Job Description

Position: Credit Manager LAP

Reporting to: Regional Credit Manager (RCM)

Specific Responsibilities:

  • Underwriting of LAP Cases: Conduct thorough analysis and evaluation of LAP applications to ensure creditworthiness and adherence to company policies.
  • Loan Origination System and Loan Management System: Utilize and manage the Loan Origination System (LOS) and Loan Management System (LMS) to optimize the credit process.
  • Credit Turnaround Time (TAT): Maintain and improve Credit TAT to ensure efficient processing of loan applications.
  • Credit Underwriting Management: Ensure all credit underwriting processes are conducted in compliance with established policies.
  • Delinquency and NPA Monitoring: Monitor and manage delinquency and Non-Performing Assets (NPA) to stay within budgeted levels for the product.
  • Credit Cost Management: Control credit costs as per approved budgets and optimize resource usage.
  • Feedback to Credit Policy: Provide insights and feedback to improve credit policies based on underwriting experience.
  • Data Analysis and Reporting: Perform data slicing, analysis, and publish relevant reports to support decision-making.
  • Post Disbursement Document (PDD) Monitoring: Ensure all necessary post-disbursement documents are collected and monitored.
  • Industry Analysis: Conduct analysis of the education sector to stay informed about industry trends and risks.

Key Performance Indicators:

  • Turnaround Time (TAT)
  • Portfolio Quality
  • Quality of Appraisal
  • Cost Management
  • Implementation of Processes

Internal Relationships:

  • Sales Team
  • Credit Underwriting Team
  • Human Resources (HR)
  • Administration (Admin)
  • Information Technology (IT)

External Relationships:

  • Customers
  • Agencies

Experience:

  • Minimum 2 years of experience in Credit Underwriting.

Technical Competencies:

  • Positive, pro-business attitude
  • Excellent analytical skills
  • Strong communication and presentation skills
  • In-depth product knowledge
  • Ability to understand asset types and their viability
  • Proficiency in reading and understanding legal and technical reports and valuations related to properties financed by the company

Personal Attributes:

  • Strong presentation skills
  • Effective communication skills
  • Exceptional analytical skills
  • Sincerity and integrity
  • Excellent liaising skills

Formal Qualification:

  • Chartered Accountant /CS/CWA/CFA

Mandatory Skills:

  • Good communication skills
  • Strong financial analysis skills
  • Proficiency in computer applications

Desirable Skills:

  • Knowledge of computer applications and software related to financial analysis and reporting.

More Info

Industry:Other

Function:Finance

Job Type:Permanent Job

Skills Required

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Date Posted: 20/06/2024

Job ID: 82417841

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