Job Description

Job Title: Branch Credit Manager Reporting To: Head - Credit General Job Responsibility: • Managing Credit and Operations for Home Loans at Corporate office level
• Credit appraisal as per policies, procedures, and credit underwriting guideline.
• Maintenance of TAT, Compliance, policies and procedures.

Principal Accountabilities Strategic • Quality check on Credit Process and underwriting standard alien with credit policy of AHAM before sanction of every proposal.
• Recommendation to NCM for approval after evaluate, entire proposal with Score card
• Maintain TAT of Underwriting - Within 5 to 7 days from Login date
• Interact with Legal, Technical and RCU vendors for TAT
• Checking all disbursement as per Disbursement checklist
• Cersai Search for all Disbursement & Charge creation after disbursement
• Follow-up with Branches for sending Credit and OTD files to HO in time
• Validate all Credit and OTDs of all disbursed files.
• Hand over OTDs to RCU team for Storage
• Sending Credit files to Storage

Tactical • Training to business team (new and Existing emp) about product, policy, process and Score card
• Follow-up Post Disbursal documents with Branches
• Life and Building insurance Policy status for all disbursed proposals
• Bounce Analysis
• Handling Internal and External Audit

Supervisory • Ensuring the Quality of Underwriting and Operation process are in High Standard - No Major Audit findings
• Supervising/ Guiding Branch credit Managers - identity mistakes and correct it at real time manner - Maintain FTR % @ 95%
• Suggestions and execution for Policy and process changes

Person Profile Educational Qualification : Graduates/Post Graduates/ MBA Experience : 3 to 5 yrs. experience in Credit Operations and Credit underwriting.
Preference will be given to Banking & HFC/NBFC industry candidates Specific Skills : • A High Level of Professionalism.
• A Passion for Building and Growing Relationships
• Ability to Gather Feedback and Provide Innovative Insight
• Leadership & People management- Influencing people, Team work,
• Employee development, openness and transparency.
• Good knowledge of administration.
• Total Quality Management & Process Improvement.
• Interpersonal Relations- Team work, Effective communication, Positive & Empathetic attitude, Presentability
• Personal Effectiveness- Excellent written and oral communication, Positive and Empathetic Outlook, Initiative and Commitment
• Work Ethics- Ensuring Process and Protocols are maintained, Focus on Learning and continuous improvement, Achievement Orientation.