Manager - Retail Credit - Credit - Housing - EM - Bangalore - Sahakar Nagar - JM

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. This includes reviewing and assessing a wide range of complex loan applications within defined guidelines, making decisions or recommending them for approval to higher authorities. You will underwrite proposals in adherence to the laid down policies & procedures to meet the agreed Service Level Agreements (SLAs) and manage the business volumes in the city/area. Your role will involve conducting personal discussions with customers to evaluate their creditworthiness, ensuring completion of credit/KYC documents, and conducting verifications through telephonic, field visits, and collateral visits. It is essential to assess income to obligation ratios, loan to value ratios, and have a comprehensive understanding of the rationale behind these calculations and their impact on loan performance over long tenures. You will be required to maintain Portfolio Management Information System (MIS), Delinquency MIS, and other operations-related MIS of the cluster, providing regular reports. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients is crucial. Taking ownership of client queries, utilizing industry knowledge and experience to solve problems and exceed service quality standards are also key responsibilities. Your tasks will include critically reviewing credit proposals to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation to support the approving authority in decision-making, quick turnaround time of credit lending proposals, and ongoing review of credit exposures will be part of your role. You will facilitate critical review and documentation of proposals, monitor client & collateral creditworthiness from pre-sanction to post-disbursement phases, and take steps for risk mitigation as necessary while ensuring compliance with legal & documentation norms & policies. Managing the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals, and collaborating closely with local credit analysts and sales team are vital responsibilities. Moreover, you will be responsible for following up and ensuring recovery of quick mortality cases between 12 - 18 MOV. Qualifications required for this role include a Graduate degree, with preference given to candidates holding Masters/Post Graduate qualifications. CA/MBA certifications are preferable.,