Manager - Retail Credit - Credit - Housing - DM - Virar - M. Baria Space - JM

As a Mortgage Underwriter at our organization, you will play a crucial role in underwriting mortgage business and effectively managing the portfolio in the assigned branch/location. Your responsibilities will include reviewing and assessing a wide range of complex loan applications, conducting personal discussions with customers to establish creditworthiness, maintaining portfolio MIS, and ensuring compliance with policies and procedures. You will be expected to underwrite proposals within defined guidelines, assess income to obligation ratios, loan to value ratios, and critically review credit proposals to identify potential risks. Additionally, you will work closely with the sales team to facilitate the quick turnaround of credit lending proposals for mortgage business, including loans against property and home loans. Building and leveraging effective relationships with third parties, exceeding service quality standards, and continuously striving for process improvement are key aspects of this role. You will also be responsible for managing the credit underwriting function of your branch, monitoring credit exposures, and ensuring timely recovery of cases. The ideal candidate for this position should have a Graduate or Masters/Post Graduate degree, with certifications such as CA or MBA being preferable. Strong analytical skills, industry knowledge, and the ability to effectively mitigate credit risks are essential for success in this role. If you are looking for a challenging yet rewarding opportunity to contribute to the success of our mortgage business, we encourage you to apply for the Mortgage Underwriter position and be a part of our dynamic team.,