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

As an Underwriter for mortgage business in the assigned branch/location, your role involves reviewing and assessing a broad range of complex loan applications within defined guidelines. You will be responsible for underwriting proposals according to policies and procedures to meet agreed SLAs and manage city/area business volumes. Your key responsibilities include: - Conducting personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verifications 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 striving for continuous process improvement. - Undertaking critical reviews 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 decisions on credit proposals. - 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 reviews of credit exposures to ensure the exposure remains bankable. - Managing the credit underwriting function of your branch, facilitating 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. Your qualifications should include being a Graduate or Masters/Post Graduate, with certifications such as CA/MBA being preferable.,