Manager - Retail Credit - Housing - Credit - Madurai - KK Nagar - JM (M1 - M3)

As an Underwriter for mortgage business in the assigned branch/location, you will be responsible for reviewing and assessing a variety of complex loan applications, making decisions within defined guidelines, and recommending approvals to higher authorities. Your key responsibilities will include: - Underwriting proposals in accordance with established policies and procedures to meet agreed Service Level Agreements (SLAs) and manage business volumes in the city/area. - Conducting personal discussions with customers to evaluate credit worthiness, ensuring completion of credit/KYC documents through telephonic, field, and collateral visits. - Analyzing income to obligation ratios and loan to value ratios with a deep understanding of their impact on loan performance over extended periods. - Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS for the cluster, and providing regular reports. - Building and leveraging effective relationships with third parties to deliver the best outcomes for clients. - Addressing client queries, utilizing industry knowledge and experience to resolve challenges and problems. - Striving to exceed service quality standards and continuously improve processes. - Conducting a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. - Ensuring collateral and other credit risk mitigation measures are in place to facilitate credit proposal decisions. - Facilitating quick turnaround of credit lending proposals for mortgage business, including loan against property and home loan business, in collaboration with the sales team. - Ongoing review of credit exposures to maintain their bankability. - Monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, taking risk mitigation steps as necessary while adhering to legal and documentation norms and policies. - Managing the credit underwriting function of your branch, ensuring quick turnaround of credit lending proposals in collaboration with local credit analysts and the sales team. - Following up and ensuring recovery of quick mortality cases between 12-18 months of vintage. Qualifications required for this role include being a Graduate or holding a Masters/Post Graduate degree. Additionally, having certifications such as CA or MBA would be preferable.,