Manager - Retail Credit - Housing - Credit - Bengaluru - Krishna Tower (TCHFL) - JM (M1 - M3)

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 & procedures to meet agreed SLAs and manage city/area business volumes. - Conducting personal discussions with customers to establish creditworthiness, ensure completion of credit/KYC documents, and verification through telephonic, field, and collateral visits. - Assessing income to obligation ratios, loan to value ratios, having in-depth knowledge of the rationale behind calculation of ratios, and understanding its 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 aid approving authorities in decision-making. - Enabling quick turnaround time of credit lending proposals for mortgage business, including loan against property and home loan business, in close liaison with the sales team. - Facilitating ongoing review of credit exposures to ensure continued bankability. - Managing the credit underwriting function of your 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 required for this role are a Graduate degree, preferably with a Masters/Post Graduate qualification. Certifications such as CA/MBA are preferable.,