Area Credit Manager - Mortgage & Home Loans - Bank

Job Purpose:

a) To give effective credit support for meeting the business targets.

b) To approve credit applications as per DOA judiciously.

c) Ensuring that quality of Bank's exposure in given area / region is acceptable at all time.

d) Provide guidance to the team of relationship managers on areas of policy and processes.

e) To manage supervise and provide guidance to the team of vendor agencies to make sure that quality of work done by vendors for bank is always upto the mark.

Responsibilities:

1. Approve / Recommend Mortgage ( LAP) & Housing loan applications.

2. Portfolio monitoring / tracking & escalation of adverse new events in the portfolio of region / area.

3. Ensure meticulous compliance with Bank's internal credit policy as well as regulatory guidelines.

4. Ensure compliance with the benchmark Turnaround Time.

5. Ensure proper guidance / support to the team of relationship managers.

6. To manage and supervise and provide guidance to the vendor agencies to get the desired and quality output.

7. To understand and implement the regional / area level legal and technical processes and make sure that the operational risks involved in documentation and procedures are adequately mitigated.

Requirements:

Professional qualification (preferably CA) or post graduate degree preferably in business, accountancy, economics, finance etc. along with sound domain knowledge of the mortgages business and market.