Miracles Unlimited is a multi faced organisation with services that ranges from professional training to Recruitment. We are a team of highly passionate individuals who bring in varied set of skills &amp; experience to help us serve our candidates better. We are people who want to bring out the best in individuals by training them with required skills and helping them grow by providing them with the most suitable job opportunities.

Hi,&nbsp;If you are looking for a change and would like to explore this opportunity, respond with following details along with a copy of resume. &nbsp;1. Updated CV 2. Present compensation 3. Motivation for change &nbsp;Uchit Solutions, Leading &amp; Preferred PAN India Sourcing Partner in BFSI/IT Space/Manufacturing/BPO Hiring for their Reputed Clients Across Levels.&nbsp;Company : Leading Housing Finance &nbsp;Position: Branch Credit Manager&nbsp;Experience: 3 - 8years&nbsp;Qualification: BCom/Mcom/MBA – Finance/ICWA/CA Inter&nbsp;Location: Bengaluru/Hyderabad/Cochin/Davangere/Mysore/Bidar/Tumkur/Vizag/Vijaywada/antapura/Ongole/Warangal/Coimbatore/Thrissur/Mandya/Chennai/Across South&nbsp;&nbsp;No of Openings : 25 Positions&nbsp;Department : Credit &nbsp;Reports to : Regional Credit Head&nbsp;General Job Responsibility&nbsp;• Managing Credit and Operations for Home Loans of the Region.• Credit appraisal as per policies, procedures, and credit underwriting guideline.• Maintenance of TAT, Compliance, policies and procedures.Customer Application Screening, KYC and Income documents ascollected by SO for login.• Initiate legal, valuation, CIBIL and other verification reports• Interpretation of Credit Bureau Report• Analysis of Bank Statements and other relevant documents forincome assessment.• Meet customers and do business and income earning capacity asper the Credit Manual &amp; Guidance Notes&nbsp;Tactical&nbsp;• Co-ordinate with SO for post approval activities like Loandocumentation check, Sanction conditions adherence, PDC andNACH forms accuracy and send the file to HO for disbursements.• Responsible for tracking and collecting all Post DisbursedDocuments including Loan Closure letters on takeover, CollectingSale Deeds for new purchases and sending to HO.• Responsible for PDC/NACH replenishment to ensure regularrepayment of EMI.&nbsp;·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interact with the customer in order to determine the loan requirement, purpose of loan, income sources. ·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Verify the documents that have been provided by the customer and request for pending documents through concerned team. ·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Post login of file into the system, conduct verification or initiate for verifications through third party, wherever available as per guidelines received by Head Office. ·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Conduct personal discussion to resolve all queries related to issues identified during verifications.Documentation and credit approval·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prepare the proposal document detailing the loan eligibility after analyzing customer data and as per credit guidelines. ·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Approve cases for loan eligibility up to limit that has been assigned and recommend cases to higher authorities as per policy ·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Generate offer letter for the customer, collect property documents, and initiate technical and legal verification. ·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To complete post sanction formalities related to checking of documents, execution of loan documents, collections of additional documents &amp; PDC’s as per the guidelines and prepare the docket inclusive of all income/ property/ customer related documents.Audit·&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To participate in the monthly audit and assist the auditors in all queries and take actions for all audit inconsistency in a timely manner.&nbsp;Salary : Negotiable&nbsp;Regards,AmarnathLead TAUchit Solutions/Miracles UnlimitedEmail ID - <a href="mailto:recruiter@miraclesunlimited.in" rel="noopener noreferrer" target="_blank">recruiter@miraclesunlimited.in</a> &nbsp;Contact Number : 7019280282

To support the Affordable Home Loan/Mortgage business team in framing of policies, underwriting of Unsecured Business Loan and PL, managing credit team, maintain TAT in underwriting as per SOP.- Sharing weekly / monthly/ quarterly and annually MIS for sanctions/rejections/disbursal and other portfolio monitoring items.- The role also involves training of credit and business teams and alignment with the organizational goals set for the unsecured line of business.Key Responsibilities : - Maintaining key underwriting performance indicators like bounce/early mortality and GNPA- Deliver TAT as per SOP- MIS circulation as per requirement- Framing policies along with risk team for effective product development- Training credit team.- Monitoring of existing portfolio and highlight EWS and Stressed accounts- Making changes to policies and process on a ongoing basis.Eligibility Criteria for the Job :Education : MBA (Finance) Fulltime /CA/ICWASomeone taking care of PAN India or 2-3 Zones will be suitable.Age : Not above 45 years.

The role holder has the responsibility of managing the Risk Control activities covering all products across the Retail platform within the region. The role holder is expected to undertake evaluation of business processes on the basis of random sampling of loan proposals on pre-defined parameters, document and report the findings together with process enhancements to management. It will include analysis of critical MIS reports for identification of uneven trends, undertake fraud investigations and implement fraud control measures to minimize losses. Roles Responsibilities: Managing entire RCU activities for the assigned region Undertake risk control, Fraud Control(FCU/RCU),Investigations Field Verifications activities in the allocated area Pre-disbursement sample verification for checking authenticity of documents Post-disbursement sample checking through borrower visits Regularly monitoring RCU agencies Co-ordinate with the location teams for any FCU related issues like fraud rackets internal frauds, investigation of linked locations Ensuring that the risk of various processes being outsourced to DSAs CPAs is mitigated Maintaining and sharing of MIS at approved intervals Ensure sanctity of Data reported Ensure audit of assigned business for verifying process compliance Implement projects in core risk infrastructure, tools, systems and data Ongoing research and keeping abreast with the latest fraud trends and providing updates to various departments within the Bank Manage fraud surveillance mechanism on banking transactions Co-ordinate with branches and other business departments and support units on investigations and to implement the anti-fraud or corrective measures Managerial Leadership Responsibilities: Mentor and coach senior team members to percolate ethos of customer centricity, innovation, compliance and integrity Attract retain best-in class talent to meet Banks rapid growth targets Educational Qualifications: Graduate - Any Post Graduate - MBA Finance

<ul><li>Handling a group of key Clients providing Financial Advisory Services to the customers and offering Portfolio Investment Services</li><li>It also includes use of applications actively for designing product suitability matrix, financial planning for the customers</li><li>Acting as an interface between the bank and its key customers to provide complete Banking Solutions, Portfolio Management, Wealth Management and customer servicing</li><li>To Enhance Retain customer profitability by capturing larger share of Wallet</li><li>Ensuring compliance with branch SOP and control in sales and service</li><li>Deepen the relationship by Cross selling Banks Products"</li><li>Maintain excellent relations with local dealers to help source clients to expand reach and brand of the bank</li><li>Evaluate the feasibility of new initiatives in offering, channel process point of view and ensure its</li><li>implementation to improve overall operational efficiency</li><li>Collaborate with other branch departments and functions to provide products and service offerings to the customer</li></ul>

Miracles Unlimited

Branch Credit Manager

National Credit Manager

Risk Control Manager

Relationship Manager

RCU Manager