Credit Manager - Mortgages
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Dedicated professional with more than six years of experience in the financial industry. Enjoy working in a team-setting but also able to complete tasks without the support of others. My innovative and creative thinking has always helped me to create new dimensions and alternates. Looking for an opportunity to further learn and enhance my skills towards the mutual benefit with organisation.
Analyze creditworthiness of Individuals and Non-individual entities to better understand the risk that could be involved in extending credit to customers.
Understanding customer business model and its sustainability to prevent Bank's interest and to maintain credit and organisational risk.
Ensuring the quality of proposals and credit underwriting to minimize delinquency and build portfolio of expected quality.
Conduct Data Analytics, Portfolio Management and implement corrective measures based on the data provided by BIU team.
Coordination with Collections Deptt to minimize the deliquency and maximising potential of company to grow.
Manage the relationship with various functions and departments within the bank to ensure collaboration and alignment to organizational objectives.
Gather market intelligence with other financial institutions and entities to understand the market dynamics and risk trends, and to use necessary information for taking credit decisions.
Assisting Central Team in analysis of Customer Segmentation Risks and to Manage Loan Portfolio by following up with defaulting customers.
Collaboration with Sales Team and External Agencies to develop Market competent strategies & finding new dimensions for organisational growth.
