10795 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 disbursement phase undertaking steps for risk m

📌 Manager - Retail Credit - Credit - Housing - Em - Eluru - Edaravari Street - Jm
🏢 Tata Capital
📍 Eluru