Area Credit Manager

We are seeking an experienced  Area Credit Manager  to oversee the credit assessment and approval process for home loans, Loan Against Property (LAP), and Non-Residential Property (NRP) cases. The ideal candidate will have expertise in assessing both salaried and self-employed customer profiles, managing a team, and ensuring all credit proposals align with the bank's standards and policies.

Key Responsibilities     Credit Assessment & Approval:  Perform credit assessments for home loan, LAP, and NRP applications for both self-employed and salaried customers. Prepare the  Credit Appraisal Memo (CAM)  and proposal notes. Approve cases up to the assigned limit and recommend high-value cases to senior management.

Risk Management:

Assess and mitigate risks associated with each loan proposal. Ensure all proposals comply with legal, technical, and sanction conditions.
Portfolio & Quality Control:  Maintain a portfolio of lenders and ensure loan quality is at par with bank standards.
Team & Operations Management:  Handle branch dockets for the disbursement process. Manage a team and  Credit Processing Agencies (CPAs)  to ensure smooth operations and maintain a healthy  Credit Turnaround Time (TAT) .
Reporting:  Maintain a daily  MIS (Management Information System)  for various branches to track performance.