Manager - Retail Credit - Housing - Credit - Ranchi - Bansal Plaza - 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 as per laid down policies and procedures to honor agreed SLAs, manage city/area business volumes, and conduct personal discussions with customers to establish creditworthiness. Your key responsibilities include: - Reviewing and assessing loan applications, making decisions, or recommending for approval - Conducting personal discussions with customers and ensuring completion of credit/KYC documents - Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster - Building effective relationships with third parties for the best outcomes for clients - Taking ownership of client queries, using industry knowledge to solve problems - Ensuring collateral and credit risk mitigation for credit proposals - Facilitating quick turnaround time of credit lending proposals for mortgage business - Managing the credit underwriting function of the branch and ensuring recovery of quick mortality cases Your qualifications should include being a Graduate or Masters/Post Graduate. Additionally, having certifications like CA/MBA would be preferable for this role.,