Branch
Credit Manager - Mortgage
by PNB Housing Finance Ltd in Kolkata, Dehradun, Delhi/NCR(National Capital
Region)
Experience: 3 to 8
yrs. | Opening(s): 3Posted on: 20
May
Job Description
Carry out credit appraisal
process and calculate the terms of the loan for the customer
Conduct detailed review of CAM sheets prepared by CPA to ensure accuracy and completeness
Ensure broad check of KYC documents, CIBIL scorecards, PAN details etc. to ensure authenticity and completeness of submitted customer documents
Report incompleteness of required information to Regional credit manager-Underwriting, initiate follow-up with the concerned branch (phone/ mail) and ensure its timely resolution
Conduct detailed analysis of bank statements and assess income eligibility as per COP, MV, income documents in compliance with credit policy
Conduct telephonic/ personal discussions with customers in cases with high loan amounts or unsatisfactory available PD documents
Preparation of credit approval worksheet and capturing of all the relevant deviations for decision by Manager-Underwriting
Follow-up with external vendors and detailed appraisal of submitted FI, legal and technical reports for supporting the credit proposal
Ensure regular co-ordination and reporting to Regional credit manager -Underwriting on all files for all discussion, feedback and approval requirements for credit decisions
Preparation of sanction/ decline letters, achieving sign-offs from seniors in compliance with conferred authority and timely dispatching the same to respective branches
Ensure timely resolution of all branch queries before log-in, in-process and after log-out times
Execution of all required documentation and achieving approval over the same for disbursement demands
Any other work given by Regional credit manager / Zonal Credit Manager underwriting from time to time
Conduct detailed review of CAM sheets prepared by CPA to ensure accuracy and completeness
Ensure broad check of KYC documents, CIBIL scorecards, PAN details etc. to ensure authenticity and completeness of submitted customer documents
Report incompleteness of required information to Regional credit manager-Underwriting, initiate follow-up with the concerned branch (phone/ mail) and ensure its timely resolution
Conduct detailed analysis of bank statements and assess income eligibility as per COP, MV, income documents in compliance with credit policy
Conduct telephonic/ personal discussions with customers in cases with high loan amounts or unsatisfactory available PD documents
Preparation of credit approval worksheet and capturing of all the relevant deviations for decision by Manager-Underwriting
Follow-up with external vendors and detailed appraisal of submitted FI, legal and technical reports for supporting the credit proposal
Ensure regular co-ordination and reporting to Regional credit manager -Underwriting on all files for all discussion, feedback and approval requirements for credit decisions
Preparation of sanction/ decline letters, achieving sign-offs from seniors in compliance with conferred authority and timely dispatching the same to respective branches
Ensure timely resolution of all branch queries before log-in, in-process and after log-out times
Execution of all required documentation and achieving approval over the same for disbursement demands
Any other work given by Regional credit manager / Zonal Credit Manager underwriting from time to time
Company Profile
(PNBHFL) is a registered housing finance
company with National Housing Bank (NHB). It was incorporated under the
Companies Act, 1956 and commenced its operations on November 11, 1988. PNBHFL
is a subsidiary of Punjab National Bank (PNB)
Contact Details
Contact Company:
PNB Housing Finance Ltd
Email Address: careers@pnbhfl.com
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