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

You will be responsible for underwriting mortgage business and managing the portfolio in your assigned branch/location. **Core Responsibilities:** - Review and assess a broad range of complex loan applications within defined guidelines. Make decisions or recommend for approval to higher authorities. - Underwrite proposals as per the laid down policies & procedures to honor the agreed SLAs and manage city/area business volumes. - Conduct personal discussions with customers to establish credit worthiness. Ensure completion of credit/KYC documents and verification through telephonic, field & collateral visits. - Assess income to obligation ratios, loan to value ratios. Possess in-depth knowledge of the rational behind the calculation of ratios and its impact on loan performance over long tenures. - Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster. Regularly report the same. - Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties. - Take ownership of client queries. Use industry knowledge and experience to overcome challenges and solve problems. - Exceed service quality standards and strive for continuous process improvement. - Undertake a critical review of the credit proposals. Bring out the industry, business, financial, management, and facility structure risks contained in the credit proposal. - Ensure collateral and other credit risk mitigation to facilitate the approving authority to make a decision on the credit proposal. - Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property and home loan business in close liaison with the sales team. - Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. - Facilitate critical review and documentation of the proposals. Effectively monitor the client & collateral creditworthiness from the pre-sanction to post-disbursement phase. Undertake steps for risk mitigation whenever required while ensuring adherence to legal & documentation norms & policies. - Manage the credit underwriting function of your branch. Facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. - Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. **Qualification:** - Graduate, Masters/Post Graduate **Certifications:** - CA/MBA (Preferable),