Branch Credit Manager

Aadhar Housing Finance Ltd. JOB OVERVIEW JOB TITLE Branch Credit Manager CR_CR_BCM JOB NO. / ID Created On 11/9/2023 JOB LOCATION As per requirement GENERAL This role will be responsible for assessing the credit worthiness of loan requests and conducting periodic credit risk assessments DESCRIPTION and providing recommendation for loan approval Branch Manager / Cluster Manager/ Area Business DIVISION / REPORTS TO Manager Credit DEPARTMENT TITLE Secondary-Territory/ Area/Regional/Zonal Credit Manager SUBDIVISION Credit REPORTEES NA POSITION DETAILS FULL-TIME INTERNS EDUCATION Minimum Qualification –Graduate or Diploma equivalent in any field REQUIREMENTS Desired Qualification – Graduate in Business, Accounting, Finance or allied fields KNOWLEDGE Good understanding of lending procedures REQUIREMENTS Good understanding of housing and non housing loans underwriting Relevant Work Experience: Experience of working as a branch credit manager/Credit Associate or related role in a large or mid- WORK EXPERIENCE sized HFC OTHER qualifications, Min Exp - 2-3 years certifications, professional memberships, etc. BEHAVIORAL COMPETENCIES Analytical Thinking Attention to Detail Communication Skills Leadership BEHAVIORAL Adaptability COMPETENCIES Problem-Solving Time Management Interpersonal Skills Continuous Learning FUNCTIONAL COMPETENCIES Credit Appraisal Documentation Management FUNCTIONAL Quality Control COMPETENCIES Portfolio Management Performance Records and MIS KEY DISCRIPTION Responsible for providing recommendations to the higher authorities, by assessing the credit appraisal of loan applications within defined guidelines Responsible to collaborate with the credit reviewing team by recommending the loan eligibility as per the policy. Responsible to understand the business and follow up on the pending documents through concerned team and also verify documents submitted by the customer. Accountable to initiate and review third party verifications and conduct personal discussion to asses customer income and resolve all queries related to issues iRdeesnptiofinesdi bdluer itnog p vreepriaficrea ttihoen sproposal document detailing the loan eligibility after analyzing customer data, credit guidelines and credit assessment reports. Responsible to maintain portfolio quality, TAT, LTV & delinquency under defined targets Accountable to self-assess and plan learning needs required for development in the current role and reach out to Branch manager and Regional HR Responsible to comply with all the processes & checklists in adherence to credit policy. The role holder must provide recommendations along with escalation oAnc caollu cnrtiatibclael tmo aetntesrusr eto p tehrefo rrempoarntcineg r aeucothrodrsi tay nfodr M aInSy ipsr pocreepsasr eodr cpreerdioitd dicaatall yr ealnadte sdh daerevdia twioitnhs regional/area credit manager Classification: Confidential 1/25/2024 6:44:21 PM