Manager - Retail Credit - Credit - Housing - EM - Bejjanki - Ganneruvaram - JM

Your role as a Mortgage Underwriter at the assigned branch/location involves reviewing and assessing a variety of complex loan applications within defined guidelines. You will be responsible for making decisions or recommending applications for approval to higher authorities. Your key responsibilities include: - Underwriting proposals in line with policies and procedures to meet agreed SLAs and manage business volumes in the city/area. - Conducting personal discussions with customers to evaluate creditworthiness, ensure completion of credit/KYC documents, and verify information through telephonic, field, and collateral visits. - Analyzing income to obligation ratios, loan to value ratios, and understanding the rationale behind these calculations" impact on loan performance over extended periods. - Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster while providing regular reports. - Building effective relationships with third parties to achieve the best outcomes for clients. - Handling client queries using industry knowledge and experience to overcome challenges and deliver solutions. - Ensuring service quality standards are exceeded and striving for continuous process improvement. - Reviewing credit proposals critically to identify industry, business, financial, management, and facility structure risks. - Mitigating collateral and other credit risks to facilitate decision-making on credit proposals. - 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 to maintain their bankability. - Documenting and monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, taking steps for risk mitigation 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 through close collaboration with local credit analysts and the sales team. - Following up and ensuring recovery of quick mortality cases between 12-18 MOV. Qualifications required for this role are a Graduate or Masters/Post Graduate degree. Additionally, having certifications such as CA/MBA would be preferable.,