Responsibilities: 

⮚ Oversee the underwriting of LAP applications within the assigned cluster, ensuring adherence to the company's credit policies and procedures. 

⮚ Conduct thorough credit assessments by analyzing financial statements, property valuations, credit reports, and other relevant documents. 

⮚ Update and refine underwriting policies and procedures to reflect market trends and regulatory changes. 

⮚ Monitor portfolio performance and ensure compliance with internal and regulatory guidelines. 

⮚ Ensure all required documentation is complete and accurate before finalizing loan approvals. 

⮚ Lead and mentor a team of junior credit officers and underwriters, providing guidance and support in the evaluation of loan applications. 

⮚ Conduct training sessions to enhance the skills and knowledge of the underwriting team. 

⮚ Liaise with external stakeholders such as property vaulters and legal advisors to obtain necessary information for underwriting decisions. 

⮚ Foster a collaborative work environment to achieve departmental goals. 

Skills and Expectations: 

⮚ 10 to 12 years of experience in LAP underwriting. 

⮚ Excellent communication and interpersonal skills. 

⮚ Proven track record of effectively managing credit risk and underwriting loans secured by property. 

⮚ Proficiency in financial analysis software and credit risk assessment tools. ⮚ Ability to make sound decisions under pressure and meet deadlines. 

⮚ Leadership skills with experience managing a team.