Branch Credit Manager - Mortgage
- Fullerton
- 2 to 6 Yrs
- Other Karnataka
- 5 years ago
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Job Description
Dear Candidate,
Greetings!
Job Title- Branch Credit Manager - Mortgage for Kittur,Hubli,Gangavathi,Ghataprabha,KR Nagar,Chitradurg,Haveri,Tiptur and Mandya
Function / Department-Rural
Department Head-Cluster Credit Manager
Reporting Manager-Territory Risk Manager
Interested can forward CV on Is******n@fu***********a.com
Purpose of the Job:
To support business by ensuring that all credit policies, practices & guidelines are adhered to as per approved policy.
Key Performance Indicators
- Business and Financial Management
- OD
- Non Starters & NCL
- File Review Scores
- Portfolio Performance
Customer Focus
- No.of relook cases being taken in. People / Team
- Escalations from Business Team
- Escalations while handling the personnel doing CPV and TVR
- Process / Quality Improvement
- TAT on closure of cases
- Branch Audit Rating
The most important tasks performed on an individual basis without involving subordinates are
- Ensure AP Ref no.if generated as soon as a file is logged in
- Ensure CPV, neighbor check, Financiary reference check and TVR is done after CIBIL
- Recommends and forwards to appropriate authority basis limits, deviation, deferral.
- Does PD for every single customer.
- Take various market references and build touch points for customer reference.
- Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact
- Review of credit files as per policy
- Co-ordinate with FCU for setting up specific triggers
- Ensure approval tracker is given to Business
- Basis product to do CFA and ABB.
- Relook at cases which have been rejected basis merit
- Clear the various exception raised.
- Review portfolio every month with respect to ODs / losses / fraud for the period underwritten with respect to the following
- Bucketwise ODs being within the triggers
- ODs within the budgeted figure
- Customers TOD level within acceptable norms
- Non Starter at minimum level
- Negligible skip / fraud cases
- Ensure documentation is in place before sending the file for dispatch, with reviews done periodically on the documentation, besides ensuring dispatch of the physical file.
- Ensure the completed document is moved into the Operations Queue
- Reviews credit admin activities to ensure the activities like RMU movement, filing of charge, agreement filling, stock and book debt audit, legal dox review , regular information on deviations, deferrals to central unit etc are completed within stipulated time frame.
- Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies.
- Constantly monitor portfolio adherence to triggers to identify underlying issues with plausible solutions.
Employement Category:
Employement Type: Full timeIndustry: Banking / Financial Services
Role Category: Sales / BD
Functional Area: Not Applicable
Role/Responsibilies: Branch Credit Manager - Mortgage
Contact Details:
Company: Fullerton India CreditLocation(s): Other Karnataka
Fullerton
Fullerton India Credit Company Limited, We have been the trusted financial partner for millions of Indians since 2007. With over 600 branches across India, we offer tailor-made solutions to suit a variety of needs at a city, town or village close to you. But more importantly, we strive to understa...
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