Regional Credit Manager

- Understanding of process & policies and implementing the same to ensure smooth transactions.

- Credit Appraisal underwriting /recommending proposal of mortgages to senior management and presenting in the credit forum for approval.

- Perform PD /customer visit s and assess the business performance of the prospect Client.

- Credit underwriting, financial statement analysis and risk assessment for decision-making for funding proposals.

- Managing team of credit process associates, delinquency management for the location.

- Coordinate with technical team for clearing the APF for new projects, do complete analysis of the builders profile and legal and technical report of the projects .

- Monitoring existing portfolio performance and performing analysis of delinquent accounts and recommendations for resolution. Ensures collections are on time.

- Visits advocates and technical vendors in order to solve prospective issues and explore opportunities.

- Vendor / cost management - Managing the outsource agencies and ensure TAT is maintained by these agencies.

- Providing training to sales and CPAs so that they work in synergy with the companies policies and norms.

- Monitor and guide the team for timely completion of end to end credit transaction process ie from log in to sanction to disbursement.

- Suggest improvements in the risk policy to minimize the fraud risks.

- To provide management information relating to the loan book and contribute to the compilation of complete accurate and timely reports of the loan portfolio.