Manager - Credit - Credit - Housing - DM - Poonamallee - Kumananchavadi - JM

As a Mortgage Underwriter at our company, your primary responsibility will be to underwrite mortgage business and manage the portfolio in the assigned branch/location. You will play a crucial role in reviewing and assessing a broad range of complex loan applications, making decisions within defined guidelines, and recommending approvals to higher authorities. Your attention to detail and adherence to laid down policies and procedures will be essential in honoring agreed Service Level Agreements (SLAs) and managing city/area business volumes effectively. Key Responsibilities: - Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verifications through telephonic, field, and collateral visits. - Assess income to obligation ratios, loan to value ratios, and demonstrate in-depth knowledge of the rationale behind the calculation of ratios and their impact on loan performance over long tenures. - Maintain Portfolio MIS, Delinquency MIS, and other operations related MIS of the cluster, providing regular reports. - Build and leverage effective relationships with third parties to facilitate the best outcomes for clients. - Take ownership of client queries, utilizing industry knowledge and experience to overcome challenges and solve problems effectively. - Strive to exceed service quality standards and drive continuous process improvement initiatives. - Undertake critical reviews of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensure collateral and other credit risk mitigation measures to assist the approving authority in making informed decisions. - Facilitate quick turnaround time of credit lending proposals for mortgage business, including loan against property and home loan business, in collaboration with the sales team. - Manage the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals in coordination with local credit analysts and the sales team. - Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Qualifications: - Graduate, Masters/Post Graduate Certifications (Preferable): - CA/MBA (Note: Additional details about the company were not provided in the job description.),