Credit Manager – Home Loans & Loan Against Property | Ahmedabad Location

Year    Bhavnagar, Gujarat, India

Job Description


: Credit Manager - Home Loans & Loan Against PropertyCompany: Mspire VenturesPosition: Credit ManagerProducts: Home Loans & Loan Against Property (Secured Loan)Location: Bhavnagar, GujaratSalary: Up to \xe2\x82\xb97 LPAExperience Required: Minimum 5 years in the Credit DepartmentEducation: Graduation is a mustKey Responsibilities:

  • Credit Assessment: Analyze and evaluate the creditworthiness of potential borrowers for Home Loans and Loan Against Property. Conduct detailed analysis of financial statements, credit reports, and other relevant documents.
  • Loan Underwriting: Approve or reject loan applications based on credit guidelines and policies. Ensure that loans comply with company standards and regulatory requirements.
  • Risk Management: Identify potential risks associated with loan applications and recommend appropriate risk mitigation strategies. Monitor loan performance to minimize default rates and ensure portfolio quality.
  • Documentation and Compliance: Ensure all credit and loan documentation is complete, accurate, and complies with legal and regulatory requirements. Maintain up-to-date records of all credit applications and approvals.
  • Coordination: Work closely with sales, operations, and legal teams to facilitate smooth processing of loan applications and approvals. Liaise with external agencies for verification and compliance checks.
  • Customer Interaction: Engage with customers to understand their financial needs, clarify queries related to credit assessments, and provide necessary information about loan products and processes.
  • Reporting: Prepare and present regular reports on credit assessments, approvals, and portfolio performance to senior management. Analyze trends and recommend improvements to credit policies and procedures.
  • Training and Development: Provide guidance and training to junior credit analysts and team members on credit assessment techniques, company policies, and industry best practices.
Key Skills Required:
  • Credit Analysis: Strong analytical skills with the ability to assess the creditworthiness of borrowers effectively.
  • Attention to Detail: High attention to detail to ensure accuracy in credit assessments and compliance with policies.
  • Risk Management: Ability to identify and manage risks associated with loan applications.
  • Decision-Making: Sound judgment and decision-making skills to approve or reject loan applications.
  • Communication: Excellent communication and interpersonal skills to interact with customers, internal teams, and external agencies.
  • Knowledge of Regulations: Good understanding of financial regulations and legal requirements related to secured loans.
  • Team Collaboration: Ability to work collaboratively with sales, operations, and legal teams to achieve business goals.
Qualifications and Experience:
  • Education: Graduation in any discipline is a must.
  • Experience: Minimum of 5 years of experience in the Credit Department, preferably in the NBFC or Banking sector, with a focus on Home Loans and Loan Against Property.
Why Join Us?
  • Growth Opportunities: Be a part of a growing NBFC with opportunities for career advancement.
  • Dynamic Environment: Work in a dynamic and challenging environment that encourages learning and development.
  • Competitive Salary: Attractive compensation package with incentives based on performance.

Mspire Ventures

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Job Detail

  • Job Id
    JD3455118
  • Industry
    Not mentioned
  • Total Positions
    1
  • Job Type:
    Full Time
  • Salary:
    Not mentioned
  • Employment Status
    Permanent
  • Job Location
    Bhavnagar, Gujarat, India
  • Education
    Not mentioned
  • Experience
    Year