Manager - Retail Credit - Housing - Credit - Erode - Brough Road - JM (M1 - M3)

As an underwriter for mortgage business in the assigned branch/location, your role involves reviewing and assessing a wide range of complex loan applications, making decisions or recommendations for approval to higher authorities, and underwriting proposals according to policies and procedures to meet agreed SLAs and manage business volumes. You will conduct personal discussions with customers to establish creditworthiness, ensure completion of credit/KYC documents, and verify information through telephonic, field, and collateral visits. Your key responsibilities include: - Assessing income to obligation ratios, loan to value ratios, and having in-depth knowledge of the rationale behind 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 reporting regularly. - Building 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 reviews 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 and home loan business in collaboration with the sales team. - Facilitating ongoing review of credit exposures to ensure bankability. - Managing the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals in liaison with local credit analysts and the sales team. - Following up and ensuring recovery of quick mortality cases between 12-18 MOV. Qualifications required for this role are a Graduate or Masters/Post Graduate degree. Certifications like CA/MBA are preferable.,