Job Description
Position: Area Credit Manager – School Funding
Reporting to: Regional Credit Manager (RCM)
Specific Responsibilities:
• Underwriting of School Funding Cases: Conduct thorough analysis and evaluation of school funding 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 5-6 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 (CA) or MBA (Finance) is mandatory.
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.
Reporting to: Regional Credit Manager (RCM)
Specific Responsibilities:
• Underwriting of School Funding Cases: Conduct thorough analysis and evaluation of school funding 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 5-6 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 (CA) or MBA (Finance) is mandatory.
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.
💡 Quick Summary
Seeking a career-building opportunity? The Area Credit Manager| SME | SFP position is now open for candidates interested in the Bank Jobs sector. This role in Hyderabad offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
