o Manage credit underwriting function for corporate realty and funding group business for the assigned portfolio.
o Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework
o Evaluate the financial status of the borrower & assess the credit worthiness of the companies by analyzing financial data like balance sheet, profit and loss account, cash flow statements and annual reports, for credit decision purpose.
o Analyze the legal, compliance and market-risk-related issues involved in the lending process.
o Ensure collection of post disbursal docs & reduction in partly disbursed cases.
o Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level.
o Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process.
o Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.