Manager - Retail Credit - Credit - Housing - EM - Parvathipuram - Vasudhara Nagar - JM

As a Mortgage Underwriter at our organization, you will be responsible for managing the mortgage business portfolio in the assigned branch or location. Your primary duties will involve reviewing and assessing a variety of complex loan applications, making decisions within defined guidelines, and recommending approvals to higher authorities. It will be essential to underwrite proposals in accordance with established policies and procedures to meet agreed service level agreements and effectively manage business volumes in the city or area. You will conduct personal discussions with customers to evaluate their creditworthiness, ensure completion of credit and KYC documents, and verify information through telephonic communication, field visits, and collateral inspections. Additionally, you will analyze income to obligation ratios, loan to value ratios, and have a deep understanding of the rationale behind these calculations and their impact on loan performance over extended periods. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster will be part of your responsibilities, along with providing regular reports. Building strong relationships with third parties to achieve favorable outcomes for clients, addressing client queries effectively, and striving for continuous improvement in service quality are key aspects of this role. You will critically review credit proposals, identifying industry, business, financial, management, and facility structure risks. Ensuring appropriate collateral and credit risk mitigation measures are in place to support decision-making by approving authorities is crucial. Collaborating closely with the sales team, you will work towards quick turnaround times for credit lending proposals related to mortgage business, including loans against property and home loans. Ongoing review of credit exposures, documentation of proposals, monitoring client and collateral creditworthiness, and risk mitigation efforts are integral parts of your responsibilities from pre-sanction to post-disbursement phases. Managing the credit underwriting function within your branch, coordinating with local credit analysts and the sales team, and ensuring timely recovery of outstanding cases are also part of your role. Ideally, you should hold a graduate or post-graduate degree, with certifications such as CA or MBA being preferable. Your expertise in underwriting mortgages and managing credit risks will be instrumental in driving the success of our business operations.,