Manager - Retail Credit - Housing - Credit

Role Overview: As a Mortgage Underwriter at our organization, you will be responsible for managing the mortgage portfolio in the assigned branch/location. Your role will involve 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. Key Responsibilities: - Review and assess complex loan applications - Underwrite proposals according to established policies - Conduct personal discussions with customers to determine creditworthiness - Maintain reports related to the mortgage portfolio Qualifications Required: - Graduate or Masters/Post Graduate degree - Certifications such as CA or MBA are preferable Your deep understanding of income to obligation ratios, loan to value ratios, and factors affecting loan performance over extended periods will be crucial for success in this role. You will be expected to collaborate with third parties to provide the best outcomes for clients, address client queries, and continuously strive for process improvement. Additionally, you will be integral to the credit underwriting function of your branch, ensuring quick turnaround times for credit lending proposals related to the mortgage business. Conducting critical reviews of credit proposals, facilitating risk mitigation strategies, and monitoring the creditworthiness of clients and collateral throughout the lending process are among your key responsibilities. Your ability to manage credit underwriting effectively, maintain high service quality standards, and contribute to the overall success of the mortgage business will play a significant role in your success in this position.,