Manager - Retail Credit - Credit - Housing - EM -Jaggaiahpet - Gali Machine road - JM

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. This includes reviewing and assessing a wide range of complex loan applications within defined guidelines, making decisions or recommending for approval to higher authorities. You will underwrite proposals according to established policies and procedures to meet agreed service level agreements and manage business volumes in the city/area. Additionally, your role will involve conducting personal discussions with customers to evaluate their creditworthiness, ensuring completion of credit/KYC documents, and conducting verifications through telephonic, field, and collateral visits. You will need to assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind these calculations and their impact on loan performance over long tenures. Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster will be part of your responsibilities. You will be expected to build effective relationships with third parties to achieve the best outcomes for clients, take ownership of client queries, and leverage industry knowledge and experience to solve problems and overcome challenges. Your role will also involve critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. You will ensure collateral and other credit risk mitigation to support the approving authority in decision-making, enable quick turnaround time of credit lending proposals for mortgage business, and conduct ongoing reviews of credit exposures. Moreover, you will facilitate critical review and documentation of proposals, monitor client and collateral creditworthiness from pre-sanction to post-disbursement phases, and take steps for risk mitigation while ensuring adherence to legal and documentation norms and policies. Managing the credit underwriting function of the branch, collaborating with local credit analysts and sales team, and ensuring recovery of quick mortality cases between 12 - 18 MOV will also be part of your responsibilities. Qualifications required for this role include a Graduate or Masters/Post Graduate degree. Certifications such as CA/MBA are preferable.,