Manager - Retail Credit - Credit - Housing - DM - Ahmedabad - Navrangpura (TCHFL) - JM

As a Mortgage Underwriter in the assigned branch/location, your primary responsibility will be to review and assess a variety of complex loan applications, making decisions within defined guidelines or recommending to higher authorities for approval. It will be essential to underwrite proposals in adherence to established policies and procedures, aiming to meet agreed SLAs and effectively manage city/area business volumes. You will conduct personal discussions with customers to evaluate their credit worthiness, ensuring the completion of credit/KYC documents through telephonic, field, and collateral visits. An in-depth understanding of income to obligation ratios, loan to value ratios, and their impact on long-term loan performance will be crucial. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster and providing regular reports will also be part of your responsibilities. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients, addressing client queries, and utilizing industry knowledge to solve problems are key aspects of this role. Ensuring service quality standards are exceeded, striving for continuous process improvement, and facilitating a critical review of credit proposals to identify risks and mitigation strategies will be essential. You will be responsible for enabling quick turnaround time for credit lending proposals related to mortgage business, including loan against property and home loans, in collaboration with the sales team. Ongoing review of credit exposures, documentation of proposals, monitoring client and collateral creditworthiness, and risk mitigation steps will be part of your duties. Managing the credit underwriting function of your branch, facilitating quick turnaround of credit lending proposals in collaboration with local credit analysts and the sales team, and ensuring recovery of quick mortality cases within specific timelines will be integral to your role. Qualifications required for this position include a Graduate degree, with preference given to candidates holding a Masters or Post Graduate degree. Certifications such as CA or MBA will be considered advantageous.,