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

As a Mortgage Underwriter at our organization, your role will involve underwriting mortgage business and managing the portfolio in your assigned branch/location. Here is a breakdown of your responsibilities: - Review and assess a broad range of complex loan applications within defined guidelines. Make decisions or recommend for approval to higher authorities. - Underwrite proposals according to laid down policies & procedures to meet agreed SLAs and manage city/area business volumes. - Conduct personal discussions with customers to establish creditworthiness. 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 calculation of ratios and its impact on loan performance over long tenures. - Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster. Report regularly on the same. - Build and leverage effective relationships with third parties to facilitate the best outcomes for clients. - Take ownership of client queries, use industry knowledge and experience to overcome challenges, and solve problems. - Exceed service quality standards and strive for continuous process improvement. - Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensure collateral and other credit risk mitigation to aid the approving authority in making decisions on credit proposals. - Enable quick turnaround time of credit lending proposals for mortgage business, including loans against property and home loans, in close liaison with the sales team. - Conduct ongoing reviews of credit exposures to ensure bankable exposure. - Facilitate critical review and documentation of proposals. Monitor client & collateral creditworthiness from pre-sanction to post-disbursement phase. Undertake risk mitigation steps when required, ensuring adherence to legal & documentation norms & policies. - Manage the credit underwriting function of your branch. Facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and the sales team. - Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Qualifications for this role include being a Graduate or Masters/Post Graduate. Certifications like CA/MBA are preferable.,