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

As a Mortgage Underwriter at our company, your role involves managing the mortgage business portfolio in the assigned branch/location. Your responsibilities include: - Reviewing and assessing a broad range of complex loan applications within defined guidelines and making decisions or recommending them for approval to higher authorities. - Underwriting proposals as per the laid down policies & procedures to honor the agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish creditworthiness, ensure completion of credit/KYC documents, and verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios, loan to value ratios, and having in-depth knowledge of the rationale behind the calculation of ratios and their impact on loan performance over long tenures. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly reporting the same. - Building effective relationships with third parties to facilitate the best outcomes for clients. - Taking ownership of client queries, utilizing industry knowledge and experience to overcome challenges and solve problems. - Exceeding service quality standards and striving for continuous process improvement. - Undertaking critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to facilitate the approving authority to make decisions on credit proposals. - Enabling quick turnaround time of credit lending proposals for the mortgage business, including loans against property and home loan business, in close liaison with the sales team. - Facilitating ongoing review of credit exposures to ensure the exposure remains bankable. - Managing the credit underwriting function of the branch, facilitating quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. - Following up and ensuring recovery of quick mortality cases between 12 - 18 MOV. Qualifications: - Graduate, Masters/Post Graduate Certifications: - CA/MBA (Preferable),