Area credit Manager

Job Description

Area Credit Manager – Construction Finance (Individual Role)

Location: Ahmedabad, Gujarat
Department: Credit – Construction Finance
Reporting To: Regional Credit Manager

Role Purpose

The Area Credit Manager is responsible for evaluating, underwriting, and approving Construction Finance proposals while ensuring adherence to the organization’s credit policy, risk framework, and regulatory guidelines. The role focuses on maintaining a healthy loan portfolio by balancing business growth with prudent risk management.

Key Responsibilities

* Assess and underwrite Construction Finance proposals for individual borrowers, builders, and developers.
* Conduct detailed appraisal of financial statements, cash flows, project feasibility, borrower repayment capacity, and collateral.
* Perform field visits, property inspections, and customer interactions to validate business and project details.
* Evaluate legal, technical, and valuation reports to ensure compliance with credit norms.
* Recommend credit decisions within delegated authority and escalate cases beyond approval limits.
* Ensure compliance with internal credit policies, RBI guidelines, and risk management frameworks.
* Coordinate with Sales, Operations, Legal, Technical, and Credit Administration teams for timely loan processing and disbursement.
* Monitor portfolio quality, identify early warning signals, and recommend corrective actions.
* Analyze delinquent accounts and support recovery strategies to minimize NPAs.
* Maintain high underwriting quality while achieving defined turnaround time (TAT) and productivity standards.
* Prepare credit notes, risk assessment reports, and MIS for management review.

Desired Candidate Profile

* Bachelor’s degree in Finance, Commerce, Business Administration, or a related discipline. MBA/CA/CFA will be an added advantage.
* 5–10 years of experience in Credit Underwriting, with at least 3 years in Construction Finance, LAP, Affordable Housing, or Mortgage Lending.
* Strong knowledge of project appraisal, financial analysis, cash flow assessment, and collateral evaluation.
* Familiarity with legal documentation, technical valuation, and regulatory compliance.
* Excellent analytical, decision-making, and stakeholder management skills.
* Proficiency in MS Excel and credit underwriting systems.

Key Competencies

* Credit Risk Assessment
* Construction Finance Underwriting
* Financial Statement Analysis
* Project Appraisal
* Property & Collateral Evaluation
* Portfolio Risk Management
* Regulatory Compliance
* Stakeholder Management
* Decision Making
* Communication & Negotiation

Key Performance Indicators (KPIs)

* Credit approval turnaround time (TAT)
* Portfolio quality and delinquency levels
* NPA and overdue control
* Quality of underwriting decisions
* Policy and audit compliance
* Productivity and case handling efficiency
* Customer and internal stakeholder satisfaction