State Head - Retail Credit - Mortgages - Credit - Housing - EM - Nagpur - Shree Arcade - MM
Tata Capital · Nagpur
11377
1To underwrite mortgage business and manage the portfolio in assigned area
- 2 Support and co-partner with business teams to manage end to end credit approval for the designated region
- 3 Underwrite salaried SENP/SEP for retail and high value cases and present to senior level
- 4 Authorize deviations raised and documented by underwriters in compliance with credit policy.
- 5 Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation
- requests.
- 6 Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation
- attainment at the branch level.
- 7 Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high
- value cases.
- 8 Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission
- and eliminate any undue/ non-process related delays.
- 9 Co-ordinate with the recoveries team and generate business insights.
- 10 Lead a team of credit approvers to ensure portfolio quality and delinquencies.
- 11 Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to
- continuously upgrade the competency of the team and improving upon processing efficiency of the HUB
- 12 Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan.
- 13 Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy.