Manager - Retail Credit - Housing - Credit - Raichur - Sai Ram Complex - JM

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

Job summary

Tata Capital in Raichur District, Karnataka seeks a Mortgage Underwriter responsible for evaluating loan applications, conducting KYC, and ensuring asset quality and policy compliance. You will manage portfolio MIS, credit risk review, and collaborate with sales and credit teams to achieve timely approvals.

RequiresGraduate/PG with CA/MBA preferred. Prior underwriting experience and strong analytical skills, attention to detail, and effective communication are essential.

Qualifications

• Graduate or postgraduate degree required with strong analytical capabilities.
• Experience in mortgage underwriting and risk assessment preferred.
• Knowledge of KYC norms and credit documentation processes is essential.

Responsibilities

• Review and assess a broad range of loan applications within guidelines and approve or escalate.
• Underwrite proposals to meet policies and service level agreements.
• Conduct customer discussions to assess creditworthiness and verify documents (telephonic, field, collateral).
• Assess income to obligation ratios and loan-to-value metrics and their impact on long-tenure performance.
• Maintain Portfolio MIS and other related MIS, with regular reporting to stakeholders.
• Build relationships with third parties to facilitate client outcomes and risk mitigation.
• Ensure timely turnaround for mortgage lending proposals in coordination with sales team.
• Perform critical review of credit proposals to identify risks and mitigation opportunities.
• Ensure collateral and risk controls support decision-making by approving authorities.

Skills

Credit underwriting

Credit risk assessment

MIS reporting

KYC documentation

Customer discussions

Education

Graduate/PG

CA/MBA (Preferable)

Tools

Excel

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)