Manager - Retail Credit - Housing - Credit - Chintamani - Lakshmi Venkateshwara Nilaya - JM

You will be responsible for underwriting mortgage business and managing the portfolio in your 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 them for approval to higher authorities. - Underwriting proposals according to laid down policies and 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 conducting 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 regularly reporting the same. - Building and leveraging effective relationships with third parties to facilitate 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 a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation to facilitate the approving authority to make a decision on the credit proposal. - 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. - Conducting ongoing review of credit exposures to ensure their bankability. - Facilitating critical review and documentation of proposals, effectively monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phase, and taking steps for risk mitigation when required, ensuring adherence to legal and documentation norms and policies. - Managing the credit underwriting function of your branch and facilitating quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and 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 such as CA/MBA are preferable.,