Manager - Retail Credit - Housing - Credit - Koppal - Maheshwara Commercial Complex - JM

As an Underwriting Mortgage Business Manager in the assigned branch/location, your role involves reviewing and assessing a wide range of complex loan applications. You will be responsible for conducting personal discussions with customers to evaluate creditworthiness, analyzing income to obligation ratios, maintaining portfolio MIS, and ensuring compliance with policies and procedures to meet agreed SLAs. Key Responsibilities: - Review and assess a broad range of complex loan applications - Conduct personal discussions with customers to establish creditworthiness - Analyze income to obligation ratios - Maintain portfolio MIS - Ensure compliance with policies and procedures to meet agreed SLAs - Build effective relationships with third parties - Take ownership of client queries - Strive for continuous process improvement - Facilitate quick turnaround of credit lending proposals for mortgage business - Review credit exposures and ensure risk mitigation - Manage the credit underwriting function of your branch Qualifications Required: - Graduate or Masters/Post Graduate qualification - Preferably hold certifications such as CA or MBA Your ability to critically review credit proposals, manage credit risk, and ensure adherence to legal and documentation norms will be crucial in this position. Additionally, you will monitor client and collateral creditworthiness from pre-sanction to post-disbursement phase, undertaking necessary steps for risk mitigation. You will also follow up and ensure recovery of quick mortality cases within specified timelines.,