Manager - Credit - Credit - Housing - DM - Bengaluru - SDR Tower - JM

You will be responsible for underwriting mortgage business and managing the portfolio in your assigned branch/location. **Core Responsibilities:** - Review and assess a broad range of complex loan applications within defined guidelines and make decisions or recommend for approval to higher authorities. - Underwrite proposals as per the laid down policies & procedures to meet the agreed SLAs and manage city/area business volumes. - Conduct personal discussions with customers to establish creditworthiness, ensure completion of credit/KYC documents, and conduct verifications through telephonic, field, and collateral visits. - Assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind the calculation of ratios and its impact on loan performance over long tenures. - Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same. - Build and facilitate the best outcomes for clients by establishing and leveraging effective relationships with third parties. - Take ownership of client queries, utilize industry knowledge and experience to overcome challenges, and solve problems. - Exceed service quality standards and strive for continuous process improvement. - Undertake a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensure collateral and other credit risk mitigation to support the approving authority in making decisions on credit proposals. - Enable quick turnaround time of credit lending proposals for the mortgage business, including loans against property and home loan business, in close collaboration with the sales team. - Conduct ongoing reviews of credit exposures to ensure continued bankability. - Facilitate critical review and documentation of proposals, monitor client & collateral creditworthiness from pre-sanction to post-disbursement phases, and take steps for risk mitigation when required, ensuring adherence to legal & documentation norms & policies. - Manage the credit underwriting function of your branch, facilitating quick turnaround of credit lending proposals in close liaison with local credit analysts and the sales team. - Follow up and ensure recovery of quick mortality cases between 12-18 MOV. **Qualification:** - Graduate, Masters/Post Graduate **Certifications:** - CA/MBA (Preferable),