Area Credit Manager

Role & responsibilities

• Handle end-to-end credit processing for Home Loans, Loan Against Property (LAP), and Mortgage products.
• Verify customer KYC, Income, Banking, financials, property, and other loan-related documents.
• Conduct preliminary assessment of customer creditworthiness, repayment capacity, income stability, and existing obligations.
• Analyze salary slips, Form 16, ITRs, bank statements, GST returns, financial statements, and business documents as applicable.
• Review bureau/CIBIL reports, repayment history, existing liabilities, and credit behaviour.
• Coordinate with sales, credit, operations, legal, technical and external agencies for smooth processing.
• Ensure compliance with credit policy, eligibility norms, documentation requirements, and regulatory guidelines.
• Identify discrepancies, gaps, or potential risks in applications and obtain necessary clarifications/documents.
• Prepare and maintain credit notes, login sheets, deviation details, and case-related MIS/reports.
• Coordinate with credit managers/underwriters for case assessment, queries, approvals, and sanction processing.
• Track cases from login to sanction and disbursement, ensuring timely resolution of pending requirements.otes, login sheets, deviation details, and case-related MIS/reports.
• Verify property-related documents and coordinate with legal and technical teams for title clearance, valuation, and property assessment.
• Monitor TAT (Turnaround Time) and ensure cases are processed within defined timelines.
• Maintain accurate records and ensure data quality in CRM systems.
• Follow up on pending documents, credit queries, legal/technical reports, and sanction conditions.
• Support pre-disbursement checks and ensure all required conditions are fulfilled before disbursement.
• Escalate high-risk cases, policy deviations, fraud indicators, and documentation discrepancies to the appropriate authority.

Preferred candidate profile

• Min 10-14 years of experience in Mortgage Credit