Roles and Responsibilities:
Responsible for appraising & underwriting Loan proposals(Home Loan & LAP) as per the policies.
· Conduct personal discussion (PD) with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
· Location & site visits whenever required and evaluate the quality and adherence to the policy norms.
· Monitoring and periodic review of portfolio & supervising overall Risk & Credit checks/controls.
· Monitor collections and recoveries of repayments against loans.
· Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the company's policy
· Monitor and review the performance of the credit portfolio on a regular basis, providing recommendations for adjustment where necessary.
· Recommend process changes in order to improve efficiency and quality.
· To have a sound knowledge of the market in terms of risks associated with the product and prevalent market practices in the area of operation.
Desired candidate profile:
· Any Graduate with a minimum of 4+ years of experience in credit of HL & LAP products.
· Should be good at product knowledge.
· Must have knowledge of local areas and local language.
· The candidate must be flexible in visiting sites and locations.
· Sound knowledge of policies/lending frameworks followed for this product.
· Excellent communication and interpersonal skills.
Interested candidate can share their resumes at priya.bhau@srghousing.com / 7849826131