Manager - Retail Credit - Credit - Housing EM

As a Mortgage Underwriter at our organization, your primary role will be to underwrite mortgage business and effectively manage the portfolio within the assigned branch or location. You will be responsible for reviewing and assessing a variety of complex loan applications, making decisions within defined guidelines, and recommending approvals to higher authorities when necessary. Your attention to detail and adherence to policies and procedures will ensure that agreed Service Level Agreements (SLAs) are met and that city/area business volumes are effectively managed. Personal discussions with customers are a key aspect of this role, as you will need to establish creditworthiness, ensure the completion of credit/KYC documents, and conduct verification through telephonic, field, and collateral visits. Your ability to assess income to obligation ratios, loan to value ratios, and understand the rationale behind these calculations will be crucial for evaluating loan performance over extended periods. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS reports for the cluster will be part of your regular responsibilities. Additionally, building and leveraging effective relationships with third parties to achieve the best outcomes for clients, resolving client queries, and striving for continuous process improvement are essential aspects of this role. You will be expected to critically review credit proposals, identify risks, ensure appropriate risk mitigation measures, and facilitate 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 managing the credit underwriting function of the branch will also be within your scope of responsibilities. A successful candidate for this position should hold a graduate or post-graduate degree, with certifications such as CA or MBA being preferable. Additionally, efficient follow-up and recovery of quick mortality cases within specified timelines will be part of your responsibilities in this role.,