Manager - Retail Credit - Housing - Credit - Sandur - Gajanana Complex - JM

As a Mortgage Underwriter at our organization, you will be responsible for managing the mortgage business portfolio in the assigned branch or location. Your core responsibilities will include: Reviewing and assessing a wide range of complex loan applications within defined guidelines, making decisions, or recommending them for approval to higher authorities. Underwriting proposals in accordance with established policies and procedures to meet agreed service level agreements and manage business volumes in the city/area. Conducting personal discussions with customers to determine creditworthiness, ensuring completion of credit/KYC documents, and performing verification through telephonic, field, and collateral visits. Evaluating income to obligation ratios, loan to value ratios, and demonstrating in-depth knowledge of the rationale behind ratio calculations and their impact on loan performance over extended periods. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster, and providing regular reports on the same. Building and leveraging effective relationships with third parties to achieve the best outcomes for clients. Taking ownership of client queries, using industry knowledge and experience to address challenges, solve problems, and exceed service quality standards. Undertaking a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks, and ensuring adequate collateral and credit risk mitigation. Ensuring quick turnaround time for credit lending proposals in the mortgage business, including loan against property and home loan businesses, in collaboration with the sales team. Conducting ongoing reviews of credit exposures to maintain their bankability. Facilitating critical review and documentation of proposals, monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phases, and taking risk mitigation steps as needed while adhering to legal and documentation norms. Managing the credit underwriting function of the branch, ensuring quick turnaround of credit lending proposals in collaboration with local credit analysts and the sales team. Following up and ensuring recovery of quick mortality cases between 12-18 MOV. Qualifications: - Graduate, Masters/Post Graduate Certifications: - CA/MBA (Preferable),