Manager - Retail Credit - Housing - Credit - Koppal - Maheshwara Commercial Complex - JM

You will be responsible for underwriting mortgage business and managing the portfolio in your assigned branch/location. Your core responsibilities will include reviewing and assessing a broad range of complex loan applications, conducting personal discussions with customers to establish creditworthiness, assessing income to obligation ratios, maintaining portfolio MIS, and ensuring compliance with policies and procedures to meet agreed SLAs. Additionally, you will be expected to build effective relationships with third parties, take ownership of client queries, strive for continuous process improvement, and facilitate quick turnaround of credit lending proposals for mortgage business. You will also be responsible for reviewing credit exposures, ensuring risk mitigation, and managing the credit underwriting function of your branch. To excel in this role, you should have a Graduate or Masters/Post Graduate qualification and preferably hold certifications such as CA or MBA. Your ability to critically review credit proposals, manage credit risk, and ensure adherence to legal and documentation norms will be crucial in this position. Moreover, your role will involve monitoring client and collateral creditworthiness from pre-sanction to post-disbursement phase and undertaking necessary steps for risk mitigation. Finally, you will be required to follow up and ensure recovery of quick mortality cases within specified timelines.,