Position: Credit Manager - LAP

Reporting to: Regional Credit Manager (RCM)

Specific

Responsibilities:

• Underwriting of LAP Cases: Conduct thorough analysis and evaluation of LAP applications to ensure creditworthiness and adherence to company policies.
• Loan Origination System and Loan Management System: Utilize and manage the Loan Origination System (LOS) and Loan Management System (LMS) to optimize the credit process.
• Credit Turnaround Time (TAT): Maintain and improve Credit TAT to ensure efficient processing of loan applications.
• Credit Underwriting Management: Ensure all credit underwriting processes are conducted in compliance with established policies.
• Delinquency and NPA Monitoring: Monitor and manage delinquency and Non-Performing Assets (NPA) to stay within budgeted levels for the product.
• Credit Cost Management: Control credit costs as per approved budgets and optimize resource usage.
• Feedback to Credit Policy: Provide insights and feedback to improve credit policies based on underwriting experience.
• Data Analysis and Reporting: Perform data slicing, analysis, and publish relevant reports to support decision-making.
• Post Disbursement Document (PDD) Monitoring: Ensure all necessary post-disbursement documents are collected and monitored.
• Industry Analysis: Conduct analysis of the education sector to stay informed about industry trends and risks.

Key Performance Indicators:

• Turnaround Time (TAT)
• Portfolio Quality
• Quality of Appraisal
• Cost Management
• Implementation of Processes

Internal Relationships:

• Sales Team
• Credit Underwriting Team
• Human Resources (HR)
• Administration (Admin)
• Information Technology (IT)

External Relationships:

• Customers
• Agencies

Experience:

• Minimum 2 years of experience in Credit Underwriting.

Technical Competencies:

• Positive, pro-business attitude
• Excellent analytical skills
• Strong communication and presentation skills
• In-depth product knowledge
• Ability to understand asset types and their viability
• Proficiency in reading and understanding legal and technical reports and valuations related to properties financed by the company

Personal Attributes:

• Strong presentation skills
• Effective communication skills
• Exceptional analytical skills
• Sincerity and integrity
• Excellent liaising skills

Formal Qualification:

• Chartered Accountant /CS/CWA/CFA

Mandatory Skills:

• Good communication skills
• Strong financial analysis skills
• Proficiency in computer applications

Desirable Skills:

• Knowledge of computer applications and software related to financial analysis and reporting.

Skills: Loan Management System, Positive Attitude, Product Knowledge, Valuations, Loan Origination System, Credit Underwriting, Computer Applications, Analytical Skills, Financial Analysis, Cost Management, Industry Analysis, Communication Skills, Presentation Skills, Data Analysis, Sincerity, Integrity

Experience: 2.00-4.00 Years