Manager - Retail Credit - Credit - Housing - EM - Jagtial - Karimnagar 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 broad range of complex loan applications within defined guidelines. You will need to make decisions on loan applications or recommend them for approval to higher authorities. It is essential to underwrite proposals as per the laid down policies & procedures to meet agreed Service Level Agreements (SLAs) and manage city/area business volumes effectively. Your role will involve conducting personal discussions with customers to establish their creditworthiness. This includes ensuring the completion of credit/Know Your Customer (KYC) documents and verification 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 the calculation of these ratios and their impact on loan performance over long tenures. Maintaining Portfolio Management Information System (MIS), Delinquency MIS, and other operations-related MIS of the cluster will be part of your responsibilities. You will regularly report on these metrics. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients is crucial. Addressing client queries, using industry knowledge and experience to overcome challenges, and striving for continuous process improvement are expectations from this role. You will be required to undertake a critical review of credit proposals, identifying industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation to facilitate decision-making on credit proposals is essential. Facilitating quick turnaround time of credit lending proposals for mortgage business, including loans against property and home loans, in close collaboration with the sales team will be part of your duties. Continuous monitoring of credit exposures to ensure bankable exposure, critical review, and documentation of proposals, monitoring client & collateral creditworthiness from pre-sanction to post-disbursement phases, and taking steps for risk mitigation when required, while adhering to legal & documentation norms & policies are key aspects of the role. Managing the credit underwriting function of your branch, facilitating quick turnaround of credit lending proposals by working closely with local credit analysts and the sales team are also part of the responsibilities. Additionally, you will need to follow up and ensure the recovery of quick mortality cases between 12 - 18 months of vintage. Qualifications required for this role include a Graduate degree, and preference will be given to candidates with Masters/Post Graduate qualifications. Certifications such as CA/MBA are preferable for this position.,