Manager - Retail Credit - Housing - Credit - Bengaluru - Krishna Tower (TCHFL)

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch or location. Your core responsibilities will include reviewing and assessing a broad range of complex loan applications, underwriting proposals according to policies and procedures, conducting personal discussions with customers to establish creditworthiness, maintaining various MIS reports, building effective relationships with third parties, and ensuring service quality standards are exceeded. You will need to have in-depth knowledge of income to obligation ratios, loan to value ratios, and understand the impact of these ratios on loan performance over long tenures. Additionally, you will be required to critically review credit proposals, ensure credit risk mitigation, facilitate quick turnaround time of credit lending proposals, and monitor credit exposures to ensure bankability. Furthermore, you will be responsible for managing the credit underwriting function of your branch, following up on recovery cases, and undertaking steps for risk mitigation when required. Qualifications required for this role include a Graduate or Masters/Post Graduate degree, with certifications such as CA/MBA being preferable.,