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Marquand

    Looking for Manager - Indianapolis, United States - Tata Group

    Tata Group
    Tata Group Indianapolis, United States

    1 week ago

    Default job background
    Description
    Job Description
    . To underwrite mortgage business and manage the portfolio in assigned branch/location

    Core Responsibilities:


    o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.


    o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.


    o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.


    o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.

    o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.

    o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties

    o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems

    o Exceed service quality standards and strive for continuous process improvement


    o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.


    o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.


    o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.

    o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.

    o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies


    o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.

    o Follow up and ensure recovery of quick mortality cases between MOV.


    Qualification :
    Graduate, Masters/Post Graduate

    Certifications

    :

    CA/MBA (Preferable)

    #J-18808-Ljbffr


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