Manager - Retail Credit - Credit - FI - Housing - EM - Deoli - Chhatri Chauraha - JM

Role Overview:

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your role will involve reviewing and assessing loan applications, conducting personal discussions with customers, maintaining portfolio MIS, and ensuring quick turnaround of credit lending proposals.

Key Responsibilities:

• Review and assess a broad range of complex loan applications within defined guidelines, making decisions or recommending for approval.
• Underwrite proposals according to policies and procedures to meet SLAs and manage business volumes.
• Conduct personal discussions with customers to establish credit worthiness, complete credit/KYC documents, and verify information through telephonic, field, and collateral visits.
• Assess income to obligation ratios, loan to value ratios, and understand the impact on loan performance over tenures.
• Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS, reporting regularly.
• Build effective relationships with third parties to achieve the best outcomes for clients.
• Address client queries, apply industry knowledge to solve problems, and exceed service quality standards.
• Undertake critical review of credit proposals to identify risks and ensure necessary risk mitigation.
• Ensure quick turnaround time for credit lending proposals for mortgage business in coordination with the sales team.
• Monitor credit exposures to ensure continued bankability and facilitate documentation of proposals.
• Manage the credit underwriting function of the branch, working closely with local credit analysts and the sales team.
• Follow up and ensure recovery of cases within 12-18 MOV.

Qualifications Required:

• Graduate, Masters/Post Graduate
• Certifications such as CA/MBA are preferable. Role Overview:

You will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your role will involve reviewing and assessing loan applications, conducting personal discussions with customers, maintaining portfolio MIS, and ensuring quick turnaround of credit lending proposals.

Key Responsibilities:

• Review and assess a broad range of complex loan applications within defined guidelines, making decisions or recommending for approval.
• Underwrite proposals according to policies and procedures to meet SLAs and manage business volumes.
• Conduct personal discussions with customers to establish credit worthiness, complete credit/KYC documents, and verify information through telephonic, field, and collateral visits.
• Assess income to obligation ratios, loan to value ratios, and understand the impact on loan performance over tenures.
• Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS, reporting regularly.
• Build effective relationships with third parties to achieve the best outcomes for clients.
• Address client queries, apply industry knowledge to solve problems, and exceed service quality standards.
• Undertake critical review of credit proposals to identify risks and ensure necessary risk mitigation.
• Ensure quick turnaround time for credit lending proposals for mortgage business in coordination with the sales team.
• Monitor credit exposures to ensure continued bankability and facilitate documentation of proposals.
• Manage the credit underwriting function of the branch, working closely with local credit analysts and the sales team.
• Follow up and ensure recovery of cases within 12-18 MOV.

Qualifications Required:

• Graduate, Masters/Post Graduate
• Certifications such as CA/MBA are preferable.