Manager - Retail Credit - Credit - Housing - EM - Undrajavaram - Chivatam Road - JM

The primary responsibility of the role is to underwrite mortgage business and oversee the portfolio in the designated branch or location. This involves reviewing a variety of complex loan applications within specified guidelines, making decisions, or recommending them for approval to higher authorities. Ensuring adherence to policies and procedures is essential to meet agreed service level agreements (SLAs) and manage business volumes effectively. Personal interactions with customers are crucial to establish creditworthiness, complete credit and KYC documentation, and verify information through telephonic, field, and collateral visits. An in-depth understanding of income to obligation ratios, loan to value ratios, and their impact on loan performance over extended periods is necessary. Maintaining various management information system (MIS) reports related to the portfolio, delinquency, and operations of the cluster is a key aspect of the role. Building strong relationships with external parties and providing exceptional service to clients are emphasized. Addressing client queries, leveraging industry expertise to overcome challenges, and striving for continuous improvement in service quality are important objectives. Conducting a thorough assessment of credit proposals to identify risks and ensure appropriate risk mitigation measures are in place is a critical function. Efficient handling of credit lending proposals for mortgage business including loans against property and home loans in collaboration with the sales team is essential. Ongoing monitoring of credit exposures to assess bankability and managing the credit underwriting function of the branch are key responsibilities. Timely review of credit proposals, documentation, monitoring of client and collateral creditworthiness, and risk mitigation activities throughout the credit lifecycle are part of the role. Qualifications required for this position include a Graduate or Masters/Post Graduate degree. Additionally, certifications such as CA or MBA are preferable to enhance the candidate's profile. Successful candidates will demonstrate strong analytical skills, decision-making abilities, attention to detail, and a proactive approach to credit underwriting and risk management.,