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

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 and making decisions or recommending approval to higher authorities. - Underwriting proposals in accordance with laid down policies & procedures to meet agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish creditworthiness, ensuring completion of credit/KYC documents, and verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios, loan to value ratios, and having in-depth knowledge of the rationale behind the calculation of ratios and their impact on loan performance over long tenures. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and providing regular reports. - Building and leveraging effective relationships with third parties to achieve the best outcomes for clients. - Taking ownership of client queries, using industry knowledge and experience to overcome challenges and solve problems. - Exceeding service quality standards and striving for continuous process improvement. - Undertaking critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to facilitate decision-making on credit proposals. - Enabling quick turnaround time of credit lending proposals for mortgage business comprising loan against property and home loan business in close liaison with the sales team. - Undertaking ongoing review of credit exposures to ensure continued bankability. - Facilitating critical review and documentation of proposals, effectively monitoring client & collateral creditworthiness from pre-sanction to post-disbursement phase, and taking steps for risk mitigation as required while ensuring adherence to legal & documentation norms & policies. - Managing the credit underwriting function of the branch, ensuring quick turnaround of credit lending proposals in close liaison with local credit analysts and the sales team. - Following up and ensuring recovery of quick mortality cases between 12-18 MOV. Qualifications: - Graduate, Masters/Post Graduate Certifications: - CA/MBA (Preferable),