Manager - Retail Credit - Housing - Credit - Belur - Ideal Complex - JM
BFSI (Credit & Risk)
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Job Description
- As a Mortgage Underwriter at our company, you will be responsible for underwriting mortgage business and managing the portfolio in the assigned branch/location. Your role will involve reviewing and assessing a broad range of complex loan applications within defined guidelines and making decisions or recommending them for approval to higher authorities. Additionally, you will underwrite proposals as per the laid-down policies and procedures to honor the agreed Service Level Agreements (SLAs) and manage city/area business volumes.
Key Responsibilities:
- Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification through telephonic, field, and collateral visits.
- Assess income to obligation ratios, loan to value ratios, and have in-depth knowledge of the rationale behind the calculation of ratios and their impact on loan performance over long tenures.
- Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same.
- Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties.
- Take ownership of client queries, utilize industry knowledge and experience to overcome challenges, and solve problems.
- Exceed service quality standards and strive for continuous process improvement.
- Undertake a critical review of credit proposals to identify industry, business, financial, management, and facility structure risks contained in the credit proposal.
- Ensure collateral and other credit risk mitigation to facilitate the approving authority to make decisions on the credit proposal.
- Enable quick turnaround time of credit lending proposals for the mortgage business, including loan against property and home loan business, in close liaison with the sales team.
- Facilitate an ongoing review of the credit exposures to ensure that the exposure remains bankable.
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- Manage the credit underwriting function of your branch and facilitate a quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
- Follow up and ensure the recovery of quick mortality cases between 12-18 MOV.
Qualifications Required:
- Graduate, Masters/Post Graduate
- Certifications such as CA/MBA are preferable.
(Note: No additional details of the company were present in the job description),
Skills
KYC Documents VerificationCredit UnderwritingUnderwritingRisk ManagementLoan ApplicationsLoan Against PropertyMIS ReportingRecovery ManagementCredit Worthiness AssessmentCredit Risk MitigationHome Loan BusinessPortfolio ManagementRelationship BuildingDocumentationIf an employer asks you to pay any kind of fee, please notify us immediately. Jobaaj does not charge any fee from the applicants and we do not allow other companies also to do so.
About Company
Tata Capital Limited is a financial and investment service provider in India, part of the prestigious Tata Group. It offers a wide range of financial products and services including consumer loans, wealth management, and business finance solutions. Tata Capital is committed to delivering financial solutions that are tailored to meet the diverse needs of individual and corporate clients. Tata Capital careers provide a plethora of opportunities in various financial sectors, encouraging employees to develop expertise and drive innovation within the finance industry. A career at Tata Capital means being part of an ethical organization that prioritizes integrity, commitment, and customer satisfaction.
Important dates & deadlines?
Application Deadline
01 Nov 25, 12:30 PM IST
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Manager - Retail Credit - Housing - Credit - Belur - Ideal Complex - JM
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