Manager - Retail Credit - Housing - Credit - Siliguri - Sona Wheels - JM (M1 - M3)

As a Mortgage Underwriter at our company, your role involves reviewing and assessing a wide range of complex loan applications within defined guidelines. Your decisions will directly impact the approval process, and you may need to recommend certain applications to higher authorities for approval. It is essential to underwrite proposals according to established policies and procedures to meet agreed service level agreements and manage business volumes in your assigned city or area. Key Responsibilities: - Conduct personal discussions with customers to evaluate their creditworthiness, ensuring the completion of necessary credit and KYC documents through telephonic, field, and collateral visits. - Analyze income to obligation ratios and loan to value ratios, demonstrating a deep understanding of the rationale behind these calculations and their impact on loan performance over extended periods. - Maintain Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster, providing regular reports on these metrics. - Cultivate effective relationships with third parties to achieve the best outcomes for clients. - Address client queries promptly, utilizing industry knowledge and experience to solve problems and overcome challenges. - Strive to exceed service quality standards and continuously seek opportunities for process improvement. - Conduct thorough reviews of credit proposals, highlighting industry, business, financial, management, and facility structure risks. - Ensure appropriate collateral and credit risk mitigation strategies are in place to support the decision-making process for credit proposals. - Collaborate with the sales team to expedite the processing of credit lending proposals for mortgage business, including loans against property and home loans. - Conduct ongoing reviews of credit exposures to maintain their bankability. - Monitor client and collateral creditworthiness from pre-sanction to post-disbursement phases, taking necessary risk mitigation steps when required and ensuring compliance with legal and documentation norms. - Manage the credit underwriting function of your branch, working closely with local credit analysts and the sales team to expedite credit lending proposals. - Follow up on quick mortality cases within the 12-18 months of vintage (MOV) to ensure timely recovery. Qualifications: - Graduate or Masters/Post Graduate degree Certifications (Preferable): - CA/MBA This is the summary of your role as a Mortgage Underwriter at our company.,