Unit Head - Credit Admin| Mumbai

Posted 2 Days Ago
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Mumbai, Maharashtra, IND
In-Office
Expert/Leader
Fintech • Software • Financial Services
The Role
Leads the credit administration checker function for SME and wholesale banking portfolios. Verifies credit, security, mortgage, and loan documentation; ensures compliance with sanction terms, pre-disbursement conditions, regulations, and internal policies; authorizes limit setup; manages post-disbursement requirements; mitigates operational and documentation risks; coordinates with legal and business teams; mentors staff; and improves processes, turnaround times, controls, and customer onboarding.
Summary Generated by Built In
  1. The Unit Head – Credit Administration is responsible for leading and overseeing the checker function within the Credit Administration team for SME and Wholesale Banking portfolios. 
  2. The role ensures accurate verification of credit documentation, compliance with approved sanction terms, adherence to regulatory and internal policies, effective risk management, and timely processing within defined service levels. 
  3. The incumbent will manage and mentor team members, drive operational excellence, and ensure alignment of team objectives with organizational goals.
Responsibilities
  1. Verify sanction letters, loan documents, security documents, and mortgage creation documents to ensure accuracy, completeness, and compliance with approved credit terms.
  2. Review executed documents and authorize limit setup instructions in accordance with the Bank's policies, processes, and regulatory requirements.
  3. Coordinate with the Legal Department to obtain guidance and support document customization requirements wherever necessary.
  4. Ensure compliance with all pre-disbursement conditions and approved sanction terms before processing and authorization.
  5. Monitor and drive timely closure of non-recurring post-disbursement compliance requirements in coordination with business teams.
  6. Ensure all credit administration activities are processed accurately, error-free, and within the stipulated turnaround times (TATs).
  7. Proactively identify, assess, and mitigate operational, documentation, and compliance-related risks to safeguard the Bank's interests.
  8. Ensure adherence to applicable laws, regulations, internal policies, risk frameworks, and compliance requirements.
  9. Manage, mentor and empower team members to achieve high performance, productivity, and alignment with organizational objectives.
  10. Drive timely resolution of stakeholder queries and ensure effective coordination with business, operations, legal, and other internal teams.
  11. Review operational processes and recommend improvements in documentation, credit administration, and customer onboarding processes to enhance efficiency, control and customer experience.            
Qualifications

Experience: 10 - 15 Years

Qualification: Graduation/ Post‑Graduation (Any specialization)



Skills Required

  • 10 to 15 years of relevant experience
  • Graduation or post-graduation in any specialization
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The Company
HQ: Thrissur, Kerala
5,753 Employees
Year Founded: 1920

What We Do

CSB is a full service bank established in 1920 and headquartered in Thrissur, Kerala. CSB has over 703 branches covering not just the district headquarters and large towns but also semi-urban and rural centers. Thanks to its unique origin and history, CSB is considered a household banking brand in Kerala. CSB offers Retail, Wholesale and SME Banking services through its footprint of over 703 branches across the country serving over 2 million customers.

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