Manager - Retail Credit - Credit - Housing - EM - Mahbubnagar - Sara Complex - JM

You will be responsible for underwriting mortgage business and managing the portfolio in your assigned branch or location. Your core responsibilities will include reviewing and assessing a variety of complex loan applications within defined guidelines, making decisions or recommending approvals to higher authorities. You will need to underwrite proposals in accordance with established policies and procedures to meet agreed service level agreements and manage business volumes in your city or area. Additionally, you will conduct personal discussions with customers to determine their creditworthiness, ensure completion of credit and KYC documents, and conduct verifications through telephonic, field, and collateral visits. You must have a deep understanding of income to obligation ratios, loan to value ratios, and the impact of these ratios on loan performance over extended periods. Maintaining Portfolio MIS, Delinquency MIS, and other relevant operations-related MIS for your cluster will be part of your responsibilities, along with reporting on these regularly. You will need to establish and leverage effective relationships with third parties to achieve the best outcomes for clients. Handling client queries, using industry knowledge and experience to overcome challenges, and delivering service quality that exceeds standards will be crucial. Additionally, you will be expected to review credit proposals critically to identify industry, business, financial, management, and facility structure risks. Mitigating collateral and other credit risks to support the approving authority's decision-making process will also be key. Facilitating quick turnaround times for credit lending proposals related to mortgage business, including loan against property and home loans, in collaboration with the sales team is essential. Ongoing reviews of credit exposures to ensure their continued bankability, critical review and documentation of proposals, monitoring client and collateral creditworthiness, and taking steps for risk mitigation when necessary are all part of your role. Managing the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals, and collaborating closely with local credit analysts and the sales team are also important responsibilities. Moreover, you will be responsible for following up on and ensuring the recovery of quick mortality cases within the specified timeframe. The ideal candidate for this role will hold at least a graduate degree, with preference given to those holding certifications such as CA or MBA.,