Manager - Retail Credit - Credit - Housing - EM - Anantapur - M & M Arcade - JM *SH*

Role Overview: You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your key responsibilities will include 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 and make decisions or recommend for approval to higher authorities - Underwrite proposals as per laid down policies and procedures to honor agreed SLAs and manage city/area business volumes - Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification through telephonic, field, and collateral visits - Assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind the calculation of ratios and their impact on loan performance over long tenures - Maintain Portfolio MIS, Delinquency MIS, and other operations related MIS of the cluster, and regularly report the same - Build and leverage effective relationships with third parties to facilitate the best outcomes for clients - Take ownership of client queries, utilize industry knowledge and experience to overcome challenges, and solve problems - Exceed service quality standards and strive for continuous process improvement - Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks - Ensure collateral and other credit risk mitigation to facilitate the approving authority to make decisions on the credit proposal - Enable quick turnaround time of credit lending proposals for the mortgage business, including loan against property and home loan business, in close liaison with the sales team - Facilitate ongoing review of credit exposures to ensure continued bankability - Facilitate critical review and documentation of proposals, effectively monitor client and collateral creditworthiness from pre-sanction to post-disbursement phase, and undertake risk mitigation steps when required while ensuring adherence to legal and documentation norms and policies - Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and the sales team - Follow up and ensure recovery of quick mortality cases between 12-18 MOV Qualification Required: - Graduate, Masters/Post Graduate Certifications: - CA/MBA (Preferable),