Job
Description
Role Overview: You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your role will involve reviewing and assessing loan applications, conducting personal discussions with customers, maintaining portfolio MIS, and ensuring quick turnaround of credit lending proposals. Key Responsibilities: - Review and assess a broad range of complex loan applications within defined guidelines, making decisions or recommending for approval. - Underwrite proposals according to policies and procedures to meet SLAs and manage business volumes. - Conduct personal discussions with customers to establish credit worthiness, complete credit/KYC documents, and verify information through telephonic, field, and collateral visits. - Assess income to obligation ratios, loan to value ratios, and understand the impact on loan performance over tenures. - Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS, reporting regularly. - Build effective relationships with third parties to achieve the best outcomes for clients. - Address client queries, apply industry knowledge to solve problems, and exceed service quality standards. - Undertake critical review of credit proposals to identify risks and ensure necessary risk mitigation. - Ensure quick turnaround time for credit lending proposals for mortgage business in coordination with the sales team. - Monitor credit exposures to ensure continued bankability and facilitate documentation of proposals. - Manage the credit underwriting function of the branch, working closely with local credit analysts and the sales team. - Follow up and ensure recovery of cases within 12-18 MOV. Qualifications Required: - Graduate, Masters/Post Graduate - Certifications such as CA/MBA are preferable. Role Overview: You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your role will involve reviewing and assessing loan applications, conducting personal discussions with customers, maintaining portfolio MIS, and ensuring quick turnaround of credit lending proposals. Key Responsibilities: - Review and assess a broad range of complex loan applications within defined guidelines, making decisions or recommending for approval. - Underwrite proposals according to policies and procedures to meet SLAs and manage business volumes. - Conduct personal discussions with customers to establish credit worthiness, complete credit/KYC documents, and verify information through telephonic, field, and collateral visits. - Assess income to obligation ratios, loan to value ratios, and understand the impact on loan performance over tenures. - Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS, reporting regularly. - Build effective relationships with third parties to achieve the best outcomes for clients. - Address client queries, apply industry knowledge to solve problems, and exceed service quality standards. - Undertake critical review of credit proposals to identify risks and ensure necessary risk mitigation. - Ensure quick turnaround time for credit lending proposals for mortgage business in coordination with the sales team. - Monitor credit exposures to ensure continued bankability and facilitate documentation of proposals. - Manage the credit underwriting function of the branch, working closely with local credit analysts and the sales team. - Follow up and ensure recovery of cases within 12-18 MOV. Qualifications Required: - Graduate, Masters/Post Graduate - Certifications such as CA/MBA are preferable.
