Manager - Retail Credit - Housing - Credit- Bagalkot - Nava Nagar - JM

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 various MIS reports, building effective relationships with third parties, exceeding service quality standards, and facilitating quick turnaround time for credit lending proposals. You will need to have in-depth knowledge of income to obligation ratios, loan to value ratios, and be able to critically review credit proposals to identify risks. Additionally, you will ensure collateral and credit risk mitigation, monitor credit exposures, and manage the credit underwriting function of the branch. Recovery of quick mortality cases will also be part of your responsibilities. Qualifications required for this role include a Graduate degree, with preference given to candidates with Masters/Post Graduate qualifications. Certifications such as CA/MBA are also preferable for this position.,