Credit Manager – HL / BL / LAP / PL

From 3 to 8 year(s) of experience
₹ 3,50,000 - 8,00,000 P.A.

Job Description

Roles and Responsibilities

Greetings from Array!!!

Please find job description for Credit Manager

Industry: Banking/ NBFC
Product: Mortgages/ LAP / HL / BL / PL

  • Assessment of borrowers profiles , repayment capacity and income stability
  • Effectively manage & upskill the credit teams along with allocation of workload
  • Understand and interpret results of financial analysis, banking analysis and bureau reports
  • Analysis of all customer related information in line with credit & risk policy to check eligibility
  • Meeting and personal discussion (PD) with customers to understand their business, profile and loan requirement
  • Visiting business premise, property and residence of customer at the time of PD
  • Understanding of actual business income & expenses (other than reported income) of customer
  • Ability to understand customer business and requirement from their perspective
  • Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD
  • Study, analysis and interpretation of legal & technical reports of property
  • Study, analysis and interpretation of other internal check reports
  • Underwriting and sanction of Home loan/loan against property files sourced by sales team
  • Revert on post sanction conditions prior to disbursement based on queries raised by the team
  • Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix
  • Co-ordinate and communicate with different departments
  • Maintaining TAT as per guidelines and taking case to decision point
  • Minimal rework/errors as part of underwriting quality
  • Adherence to the policy/ process laid out by the Central team on all loan applications being processed
  • Close monitoring on non-starters/first EMI bounce trends
  • Audit compliance on all aspects stipulated by Head Office and regulatory compliance
  • Maintaining and reporting of various MIS to monitor portfolio performance and risk
  • Continuously improvise underwriting capability based on portfolio performance

  • Desired Candidate Profile

     Education Qualifications:Graduate


    UG:Any Graduate

    PG:Any Postgraduate

    Doctorate:Any Doctorate

    Company Profile

    Array Management Consultants

    Array management is a quality recruitment service provider. It’s a well structured, professionally managed organization having a team of professionals comprising of domain expertise Recruiters, Research Associates, HR Advisers, Headhunters, and Database Professionals. Array specializes in its services for a wide range of sectors ranging from engineering, construction , industrial and consumer durable to finance, banking , insurance
    Company Info
    View Contact Details+

    Recruiter Name:Ms. Niharika Gehani

    Contact Company:Array Management Consultants,



    3,50,000 - 8,00,000 P.A.



    Role Category:



    Credit Manager

    Employment Type:

    Full Time, Permanent