Job details
Job type full-time
Full job description
· to underwrite mortgage business and manage the portfolio in assigned branch /location
Core responsibilities:
O review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
O under write proposals as per the laid down policies & procedure to honour the agreed slas and manage city/area business volumes.
O conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/kyc documents and verification- telephonic, field & collateral visits.
O assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures.
O maintain portfolio mis, delinquency mis and other operations related mis of the cluster and regularly reporting the same.
O build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
O take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
O exceed service quality standards and strive for continuous process improvement
O undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.
O ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
O enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team.
O undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
O facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
O manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
O follow up and ensure recovery of quick mortality cases between 12 -18 mov.
Qualification : graduate, masters/post graduate
Certifications : ca/mba (preferable)
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Job activity
Posted 12 days ago
