Manager - Retail Credit - Housing - Credit - Marthandam - Changai Junction

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your core responsibilities will include reviewing and assessing a broad range of complex loan applications, underwriting proposals as per policies and procedures, conducting personal discussions with customers to establish creditworthiness, maintaining various MIS reports, building effective relationships with third parties, exceeding service quality standards, and facilitating quick turnaround of credit lending proposals. You will need to have a deep understanding of income to obligation ratios, loan to value ratios, and the impact of these ratios on loan performance over long tenures. Additionally, you will be required to undertake critical reviews of credit proposals, ensure collateral and credit risk mitigation, and monitor credit exposures to ensure bankability. Managing the credit underwriting function of the branch, facilitating documentation of proposals, monitoring client and collateral creditworthiness, and ensuring adherence to legal and documentation norms will also be part of your responsibilities. You will work closely with the sales team to enable quick turnaround time of credit lending proposals for mortgage business. Ideally, you should be a Graduate or hold a Masters/Post Graduate degree. Certifications like CA/MBA would be preferable for this role. Your ability to handle client queries, overcome challenges, and continuously improve processes will be key to success in this position.,