Manager - Retail Credit - Housing - Credit - Belur - Ideal Complex - JM

As a Mortgage Underwriter at our company, you will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your role will involve reviewing and assessing a broad range of complex loan applications within defined guidelines and making decisions or recommending them for approval to higher authorities. Additionally, you will underwrite proposals as per the laid-down policies and procedures to honor the agreed Service Level Agreements (SLAs) and manage city/area business volumes. Key Responsibilities: - Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification through telephonic, field, and collateral visits. - Assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind the calculation of ratios and their impact on loan performance over long tenures. - Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same. - Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties. - Take ownership of client queries, utilize industry knowledge and experience to overcome challenges, and solve problems. - Exceed service quality standards and strive for continuous process improvement. - Undertake a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks contained in the credit proposal. - Ensure collateral and other credit risk mitigation to facilitate the approving authority to make decisions on the credit proposal. - Enable quick turnaround time of credit lending proposals for the mortgage business, including loan against property and home loan business, in close liaison with the sales team. - Facilitate an ongoing review of the credit exposures to ensure that the exposure remains bankable. - Manage the credit underwriting function of your branch and facilitate a quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. - Follow up and ensure the recovery of quick mortality cases between 12-18 MOV. Qualifications Required: - Graduate, Masters/Post Graduate - Certifications such as CA/MBA are preferable. (Note: No additional details of the company were present in the job description),