Experience
2 - 7 yrs
Job Location
Mumbai, India
Vacancy
1
Designation
Assistant Credit Manager
Job Type
ONSITE
Job Description
- Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision and derive loan eligibility.
- Build and facilitate the best outcomes for clients by building and leveraging effective relationships with Lender partners with quick disbursals processes.
- Enable quick turnaround time of credit lending proposals for the business in close liaison with the Credit team Lenders team.
- Efficient negotiator to close the deals with sales closure attitude.
- Ensuring Data Integrity through automated way of quality checking financial accuracy, performing key ratio analysis for credit assessment, in depth knowledge of rational behind calculation of ratios its impact on loan performance etc.
- Presenting and quality checking the Credit Analytics generated by platform and perform various tasks to support the credit algorithm function in automated way.
- Ability to derive the credit policies of lender partners from the scratch advise the customers on most appropriate product offers basis technical assessment.
- Key part in CRM process Implementation for the customized business processes across Credit Operations Team, Finance Team, Business Sales Team etc.
- Maintain Portfolio MIS, Business performance MIS and other operations related MIS of the function and regularly reporting the same.
- Take ownership of client/team s queries and use industry knowledge and experience to overcome challenges.
- Maintaining business relationship with key lenders for ensuring minimum TAT in the process from login to disbursement of the file with lender partner by hand holding.
- Evaluating the financial position of clients by reviewing data, including financial ratios.
- Understanding borrower s debt requirement advising them on best loan product match and best lender for their needs.
- Facilitate the loan closing process ensuring all required policies, guidelines and standards are met.
- Address more complex escalated customer and lender request and escalate with recommendations.