TATA Capital Looking for Manager at Pune, Maharashtra

Job Purpose

• Support and co-partner with the sales team to underwrite construction finance business and manage the portfolio for the assigned area

Responsibilities

Core Responsibilities:

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