Manager - Retail Credit - Credit - Housing - EM - Palanpur - S9 Complex - JM

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your core responsibilities will include: - Reviewing and assessing a broad range of complex loan applications within defined guidelines, making decisions, or recommending them for approval to higher authorities. - Underwriting proposals as per the laid down policies & procedures to meet agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish creditworthiness, ensuring completion of credit/KYC documents, and verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios, loan to value ratios, and having in-depth knowledge of the rationale behind calculations and their impact on loan performance over long tenures. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and reporting regularly. - Building and leveraging effective relationships with third parties to facilitate the best outcomes for clients. - Taking ownership of client queries, using industry knowledge and experience to overcome challenges and solve problems. - Exceeding service quality standards and striving for continuous process improvement. - Undertaking a critical review of credit proposals to bring out industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to facilitate approving authorities to make decisions on credit proposals. - Enabling quick turnaround time of credit lending proposals for mortgage business, including loan against property and home loan business, in close liaison with the sales team. - Managing the credit underwriting function of the branch, facilitating quick turnaround of credit lending proposals in close liaison with local credit analysts and the sales team. - Following up and ensuring recovery of quick mortality cases between 12 - 18 MOV. Qualifications required for this role: - Graduate, Masters/Post Graduate Certifications preferred: - CA/MBA,