Hi,

If you are looking for a change and would like to explore this opportunity, respond with following details along with a copy of resume.

1. Updated CV

2. Present compensation

3. Motivation for change

Uchit Solutions, Leading & Preferred PAN India Sourcing Partner in BFSI/IT Space/Manufacturing/BPO Hiring for their Reputed Clients Across Levels.

Company : Leading Housing Finance

Position: Branch Credit Manager

Experience: 3 - 8years

Qualification: BCom/Mcom/MBA – Finance/ICWA/CA Inter

Location: Bengaluru/Hyderabad/Cochin/Davangere/Mysore/Bidar/Tumkur/Vizag/Vijaywada/antapura/Ongole/Warangal/Coimbatore/Thrissur/Mandya/Chennai/Across South

No of Openings : 25 Positions

Department : Credit

Reports to : Regional Credit Head

General Job Responsibility

• 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 as

collected 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 for

income assessment.

• Meet customers and do business and income earning capacity as

per the Credit Manual & Guidance Notes

Tactical

• Co-ordinate with SO for post approval activities like Loan

documentation check, Sanction conditions adherence, PDC and

NACH forms accuracy and send the file to HO for disbursements.

• Responsible for tracking and collecting all Post Disbursed

Documents including Loan Closure letters on takeover, Collecting

Sale Deeds for new purchases and sending to HO.

• Responsible for PDC/NACH replenishment to ensure regular

repayment of EMI.

·        Interact with the customer in order to determine the loan requirement, purpose of loan, income sources.

·        Verify the documents that have been provided by the customer and request for pending documents through concerned team.

·        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.

·        Conduct personal discussion to resolve all queries related to issues identified during verifications.

Documentation and credit approval

·        Prepare the proposal document detailing the loan eligibility after analyzing customer data and as per credit guidelines.

·        Approve cases for loan eligibility up to limit that has been assigned and recommend cases to higher authorities as per policy

·        Generate offer letter for the customer, collect property documents, and initiate technical and legal verification.

·        To complete post sanction formalities related to checking of documents, execution of loan documents, collections of additional documents & PDC’s as per the guidelines and prepare the docket inclusive of all income/ property/ customer related documents.

Audit

·        To participate in the monthly audit and assist the auditors in all queries and take actions for all audit inconsistency in a timely manner.

Salary : Negotiable

Regards,

Amarnath

Lead TA

Uchit Solutions/Miracles Unlimited

Email ID - recruiter@miraclesunlimited.in  

Contact Number : 7019280282