Manager - Retail Credit - Credit - Housing - EM - Choutuppal - Ganesh Nagar - JM

As a Mortgage Underwriter at our organization, you will be responsible for managing the mortgage business portfolio at the assigned branch/location. Your primary duties will include reviewing and assessing a variety of complex loan applications, making decisions or recommendations for approval, and ensuring compliance with established policies and procedures to meet service level agreements. You will be required to conduct personal discussions with customers to evaluate their creditworthiness, verify credit/KYC documents through telephonic, field, and collateral visits, and analyze income to obligation ratios and loan to value ratios. Maintaining Portfolio MIS, Delinquency MIS, and other operational reports for the cluster will be crucial, along with building effective relationships with third parties to achieve the best outcomes for clients. In addition, you will play a key role in the critical review of credit proposals, identifying industry, business, financial, management, and facility structure risks, and ensuring appropriate credit risk mitigation strategies are in place. Quick turnaround time on credit lending proposals, ongoing credit exposure reviews, and effective monitoring of client and collateral creditworthiness will be part of your responsibilities. You will collaborate closely with the sales team, local credit analysts, and approving authorities to facilitate the underwriting process, manage client queries, and drive continuous process improvement. Your focus will be on exceeding service quality standards, resolving challenges, and ensuring adherence to legal and documentation norms and policies. The ideal candidate for this role should have a Graduate or Masters/Post Graduate qualification, with CA/MBA certifications being preferable. Strong analytical skills, attention to detail, and the ability to manage multiple tasks efficiently will be essential for success in this position. Your dedication to maintaining high service quality standards and driving continuous improvement will be key to achieving success in this role.,