Manager - Retail Credit - Credit - Housing - DM - Mysore - Sandesh Arcade - JM

As an Underwriter for mortgage business in the assigned branch/location, your role involves reviewing and assessing a variety of complex loan applications, making decisions within defined guidelines, and recommending approvals to higher authorities. You will underwrite proposals according to policies and procedures, ensuring compliance with agreed service level agreements and managing business volumes within the city/area. Your key responsibilities include: - Conducting personal discussions with customers to evaluate creditworthiness, complete credit/KYC documentation, and verify information through telephonic, field, and collateral visits. - Analyzing income to obligation ratios and loan to value ratios, understanding the rationale behind these calculations, and their impact on loan performance over extended periods. - Maintaining Portfolio MIS, Delinquency MIS, and other operational reports for the cluster, ensuring regular reporting. - Building and leveraging effective relationships with third parties to achieve the best outcomes for clients. - Taking ownership of client queries, using industry knowledge and experience to solve problems and overcome challenges. - Exceeding service quality standards, continuously striving for process improvement. - Conducting critical reviews of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation strategies are in place to support decision-making on credit proposals. - Enabling quick turnaround of credit lending proposals for mortgage business, including loans against property and home loans, in collaboration with the sales team. - Ongoing review of credit exposures to maintain bankable levels. - Facilitating critical review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking risk mitigation steps as needed while adhering to legal and documentation norms and policies. - Managing the credit underwriting function of the branch, ensuring quick turnaround of credit lending proposals in collaboration with local credit analysts and the sales team. - Following up and ensuring recovery of quick mortality cases between 12-18 months of vintage. Qualifications required for this role include being a Graduate, with a preference for Masters/Post Graduate degrees. Certifications such as CA/MBA are considered preferable.,