About the role

Branch Credit Manager - Used Car Loan

Job Summary:

We are seeking a dynamic Branch Credit Manager for our Personal Loan division who will drive credit strategy and manage the loan approval process. This role is critical in enhancing customer satisfaction and managing risk, ensuring our clients receive appropriate lending solutions to meet their financial needs.

Key Responsibilities:

Develop and implement credit policies and procedures to streamline the loan approval process.
Analyze credit data and financial statements of applicants to assess creditworthiness and risk levels.
Collaborate with branch staff to ensure alignment on loan products and customer service standards.
Conduct regular training sessions for branch employees on credit lending practices and risk management.
Review and approve loan applications within set parameters, making timely decisions that align with company policies.
Monitor loan portfolio performance and develop strategies for improvement in risk mitigation.
Maintain strong relationships with clients, lenders, and internal stakeholders to promote a customer-centric environment.

Requirements:

Bachelor's degree in Finance, Business Administration, or a related field.
Minimum of 5 years of experience in credit management or lending, preferably in personal loans.
Strong understanding of credit analysis techniques and risk assessment methodologies.
Exceptional communication and interpersonal skills, capable of building rapport with clients and team members.
Proficient in financial modeling and risk assessment software.
Demonstrated ability to work under pressure and meet tight deadlines.
Detail-oriented with a strong analytical mindset trained to make data-driven decisions.

Preferred Qualifications:

Master's degree in Finance or Business Administration.
Certification in credit analysis or risk management (e.g., CCRP, CRPC).
Experience with customer relationship management (CRM) systems.
Proven track record of successful team leadership and development.
Knowledge of current financial regulations affecting personal lending.

Benefits:

Competitive salary with performance-based incentives.
Comprehensive health, dental, and vision insurance.
Generous retirement plans with employer matching.
Opportunities for professional development and advancement.
Flexible working hours and a supportive work-life balance.
Employee discounts on banking products and services.
A vibrant company culture that values diversity and inclusion.

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Branch Credit Manager - UCL