Manager - Retail Credit - Housing - Credit - Bagalkot - Hindustan Sevadal Trust

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, underwriting proposals as per policies and procedures, conducting personal discussions with customers to establish creditworthiness, maintaining Portfolio MIS, Delinquency MIS, and other related MIS, building effective relationships with third parties, and ensuring service quality standards are exceeded. Additionally, you will be tasked with critical review of credit proposals, ensuring collateral and credit risk mitigation, facilitating quick turnaround time of credit lending proposals, ongoing review of credit exposures, monitoring client and collateral creditworthiness, managing the credit underwriting function of the branch, and ensuring recovery of quick mortality cases between 12-18 MOV. The ideal candidate for this role should be a Graduate with a Masters/Post Graduate degree. Certifications such as CA/MBA would be preferable.,