Area Credit Manager

<p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Job Purpose: </span></b></p><p><b></b></p><b></b><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><i><span style="font-family:Calibri, sans-serif;color:#000000;">Manages credit appraisal and decisioning for an assigned area/territory. Supervises credit officers, balances risk with growth and ensures policy adherence.</span></i></p><p><i></i></p><i></i><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;"> </span></b></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Key Responsibilities:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Lead area underwriting (home loans/LAP and other secured retail products as applicable) within DOA.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Review CAMs, financials, banking surrogates, and collateral; conduct field visits for high</span><span style="font-family:'Cambria Math', serif;color:#000000;">‑</span><span style="font-family:Calibri, sans-serif;color:#000000;">risk cases.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Ensure TAT adherence and reduce reworks through coaching and first</span><span style="font-family:'Cambria Math', serif;color:#000000;">‑</span><span style="font-family:Calibri, sans-serif;color:#000000;">time</span><span style="font-family:'Cambria Math', serif;color:#000000;">‑</span><span style="font-family:Calibri, sans-serif;color:#000000;">right checks.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Monitor early delinquency/quality of approved portfolio; provide feedback to sales and policy teams.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Drive PDD/deferral closure within SLA; ensure maker–checker controls and sample QC audits.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Coordinate with legal/technical/ops for smooth sanction</span><span style="font-family:'Cambria Math', serif;color:#000000;">‑</span><span style="font-family:Calibri, sans-serif;color:#000000;">to</span><span style="font-family:'Cambria Math', serif;color:#000000;">‑</span><span style="font-family:Calibri, sans-serif;color:#000000;">disbursement and risk mitigation.</span></p><p></p><p class="MsoListParagraphCxSpLast" style="text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Maintain audit readiness and close observations on time; train team on policy changes.</span></p><p></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;"> </span></b></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Skills Required:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Strong analytical and financial evaluation skills.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Knowledge of retail credit and secure lending products.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Leadership and team coaching ability.</span></p><p></p><p class="MsoListParagraphCxSpLast" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Process orientation and compliance focus.</span></p><p></p><p class="MsoNormal" style="margin-bottom:0in;text-align:justify;line-height:14pt;"><span style="font-family:Calibri, sans-serif;color:#000000;background:#FFFF00;"></span></p><p> </p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;"> </span></b></p><p class="MsoNormal" style="text-align:justify;line-height:14pt;"><b><span style="font-size:12pt;font-family:Calibri, sans-serif;color:#000000;">Educational Qualifications and Experience:</span></b></p><p><b></b></p><b></b><p class="MsoListParagraphCxSpFirst" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">Graduate / Post-Graduate in Finance, Commerce, or related field.</span></p><p></p><p class="MsoListParagraphCxSpMiddle" style="margin-bottom:0in;text-align:justify;text-indent:-0.25in;line-height:14pt;"><span style="font-family:Symbol;color:#000000;">·<span style="font-style:normal;font-variant:normal;font-size:7pt;line-height:normal;font-family:'Times New Roman';"> </span></span><span style="font-family:Calibri, sans-serif;color:#000000;">4-7 years in credit appraisal/underwriting with team handling experience.</span></p><p></p><p> </p><p class="MsoListParagraphCxSpLast" style="margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:35pt;text-align:justify;line-height:14pt;"><span style="font-family:Calibri, sans-serif;color:#000000;"> </span></p>