Manager - Retail Credit - Housing - Credit - Vijayawada - RK Galleria - JM *Kurnool*

As a Mortgage Underwriter at our company, your role will involve underwriting mortgage business and managing the portfolio in the assigned branch/location. You will play a crucial part in reviewing and assessing a broad range of complex loan applications, conducting personal discussions with customers to establish creditworthiness, and ensuring the completion of credit/KYC documents and verifications through telephonic, field, and collateral visits. Your core responsibilities will include: - Reviewing and assessing loan applications within defined guidelines and making decisions or recommendations for approval - Underwriting proposals according to policies and procedures to meet agreed SLAs and manage business volumes - Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS of the cluster and providing regular reports - Building effective relationships with third parties to achieve the best outcomes for clients - Handling client queries, overcoming challenges, and ensuring service quality standards are exceeded - Conducting critical reviews of credit proposals to identify risks and ensure appropriate risk mitigation - Ensuring quick turnaround time for credit lending proposals for mortgage business, including loan against property and home loans - Monitoring credit exposures and collateral creditworthiness from pre-sanction to post-disbursement phases - Managing the credit underwriting function of the branch and collaborating with local credit analysts and the sales team for quick credit lending proposals - Following up on and ensuring recovery of quick mortality cases between 12-18 MOV Qualifications required for this role include being a Graduate or Masters/Post Graduate, with certifications such as CA/MBA being preferable.,