Manager - Retail Credit - Credit - Housing - EM - Mahbubnagar - Sara Complex - JM

Tata Capital; Mahabubnagar; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Tata Capital in India is seeking a Mortgage Underwriter to evaluate and approve complex loan applications within defined guidelines. You will conduct customer discussions, verify KYC documentation, assess income and collateral, and coordinate with sales to ensure rapid, compliant lending decisions.

Responsibilities include portfolio MIS maintenance, risk reviews, and ensuring adherence to legal and documentation norms, with emphasis on timely underwriting for mortgage and property-backed loans.

Qualifications

• Graduate or postgraduate degree required
• CA/MBA preferable (certifications)

Responsibilities

• Review and assess a broad range of complex loan applications within defined guidelines and decide or recommend for approval to higher authorities.
• Underwrite proposals as per laid down policies and procedures to meet SLAs and manage city/area business volumes.
• Conduct personal discussions 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, and understand calculations and impact on long-term loan performance.
• Maintain Portfolio MIS, Delinquency MIS and other related MIS; report regularly.
• Build strong relationships with third parties to facilitate outcomes for clients.
• Take ownership of client queries and use experience to overcome challenges and resolve problems.
• Exceed service quality standards and pursue continuous process improvement.
• Critically review credit proposals to identify risks in industry, business, financial, management, and facility structure.

Education

Graduate, Masters/Post Graduate

Job description

Job Description:

10795

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

Core Responsibilities:

• Review and assess a broad range of complexloan 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 12 -18 MOV.

Qualification:

Graduate, Masters/Post Graduate

Certifications:

CA/MBA (Preferable)