· 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
disbur