Godrej Capital - Credit Manager - Home Loans

godrejcapital.com

Job Purpose: The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage retail loans.

Role :

- Credit assessment and underwriting of mortgage loan applications based on product and policy norms - end to end from login to disbursal of loans

- Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials

- Disbursal of Mortgage Loans including all checks and verifications

- Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices

- In-person meetings and discussions with clients

- Responsible for maintaining the processing TAT

- Participate in and clear regular internal and external audits

- Vendor management, including quality monitoring

Qualification &experience:

Years of experience - NIL to 5 years

Mandatory Qualification - Graduation / Post Graduation / Chartered Accountant

Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios

Essential skills :

- Ability to work in unstructured and evolving situations with an open mind

- Work in large and varied teams and deliver individual requirements within the same

- Adhere to expected TAT without compromising on quality

- Taking of initiatives, strong execution skills, forward thinking ability to anticipate hurdles

- Ability to understand customer needs and be responsive

- Technology skills - understanding of and working with existing market technologies in the mortgage industry