Manager - Retail Credit - Credit - Housing - EM - Warangal - Lopamudra Arcade - JM

As an underwriter in the mortgage business at the assigned branch/location, your role involves reviewing a variety of complex loan applications, making decisions, and recommending approvals based on guidelines. Your core responsibilities include: - Reviewing and assessing loan applications within defined guidelines - Underwriting proposals according to policies and procedures - Conducting personal discussions with customers to establish creditworthiness - Analyzing income to obligation ratios and loan to value ratios - Maintaining Portfolio MIS and other related reports - Building effective relationships with clients and third parties - Addressing client queries and challenges effectively - Ensuring service quality standards are exceeded - Reviewing credit proposals for risks and mitigation - Enabling quick turnaround time for credit lending proposals - Monitoring credit exposures and creditworthiness - Managing the credit underwriting function of the branch - Following up on recovery of cases Your qualifications should include a Graduate or Masters/Post Graduate degree, with certifications such as CA/MBA being preferable.,