Manager - Retail Credit - Housing - Credit - Raipur - Pujari Chambers (TCHFL) - JM *Bilaspur*

As a Mortgage Underwriter at our organization, you will be responsible for managing the mortgage portfolio in the assigned branch/location. Your primary duties will include reviewing and assessing a variety of complex loan applications, underwriting proposals according to established policies, conducting personal discussions with customers to determine creditworthiness, and maintaining various reports related to the portfolio. You will need to possess a deep understanding of income to obligation ratios, loan to value ratios, and the factors affecting loan performance over extended periods. Furthermore, you will be expected to collaborate with third parties to provide the best possible outcomes for clients, address client queries, and continuously strive for process improvement. Additionally, you will play a crucial role in the credit underwriting function of your branch, ensuring quick turnaround times for credit lending proposals related to mortgage business. It will be essential for you to conduct critical reviews of credit proposals, facilitate risk mitigation strategies, and monitor the creditworthiness of clients and collateral throughout the lending process. To excel in this role, you should hold a Graduate or Masters/Post Graduate degree, with certifications such as CA or MBA being preferable. Your ability to manage credit underwriting effectively, maintain high service quality standards, and contribute to the overall success of the mortgage business will be key to your success in this position.,