Manager - Retail Credit

Tata Capital; Hyderabad; On-site; INR 600,000 - 900,000; Full time

Benefits offered by this job

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Job summary

Tata Capital in Hyderabad is seeking a Mortgage Underwriter to underwrite mortgage loans and manage portfolio risk within the local branch. You will review complex loan applications, assess credit Worthiness, KYC compliance, and collateral, and ensure timely decisioning in collaboration with sales teams.

Ideal candidates hold a Graduate or Postgraduate degree, with CA/MBA as preferable certifications. The role emphasizes MIS reporting and risk mitigation across the mortgage portfolio.

Qualifications

• Graduate or postgraduate degree.
• CA or MBA desirable.

Responsibilities

• Review and assess complex loan applications within guidelines and decide or escalate for approval.
• Underwrite proposals per policies to meet SLAs and manage city/area volumes.
• Discuss with customers to establish credit worthiness and verify credit/KYC documents.
• Assess income to obligation and loan-to-value ratios and their impact on long-term loan performance.
• Maintain Portfolio MIS and Delinquency MIS and other related reporting.
• Build relationships with third parties to achieve best outcomes for clients.
• Take ownership of client queries and use knowledge to resolve issues.
• Exceed service quality standards and pursue process improvements.
• Review credit proposals for industry, business, financial, and management risk.
• Ensure collateral and risk mitigation to assist decision-making.
• Enable quick turnaround of mortgage lending proposals with sales team liaison.
• Monitor credit exposures to ensure bankability.

Skills

Credit underwriting

Credit risk analysis

KYC documentation

MIS reporting

Customer discussions

Collateral evaluation

Education

Graduate

Masters / Post Graduate

CA / MBA (preferable)

Job description

To underwrite mortgage business and manage the portfolio in assigned branch/location

Core Responsibilities:

• Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes.
• Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.
• 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.
• Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
• Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties
• Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
• Exceed service quality standards and strive for continuous process improvement
• 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.
• Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.
• 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.
• Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.
• 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
• 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.
• Follow up and ensure recovery of quick mortality cases between
• -
• MOV.

Qualification : Graduate, Masters/Post Graduate

Certifications : CA/MBA (Preferable)