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…
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Skills: Credit Underwriting, Working Capital Finance, Financial Analysis, Deal Structuring, Portfolio Management
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Full-time
bachelor degree, postgraduate degree, professional certificate
Posted 35d ago
Apply by Mar 31
~40 hrs/week
Responsibilities
Underwrite mortgage business and manage the credit portfolio for the assigned branch. This includes assessing complex loan applications, conducting customer discussions, and ensuring adherence to credit and KYC policies.
Requirements
Requires a graduate degree, with a preference for CA or MBA qualifications. Candidates should possess strong expertise in credit underwriting, financial ratio analysis, and mortgage risk management.
Full job description
10795
· To underwrite mortgage business and manage the portfolio in assigned branch/location
Core Responsibilities:
o Review and assess a broad range of complexloan 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 mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
o 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.
o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.
Tata Capital Limited, a holistic financial services provider, caters to the diverse needs of retail, housing, SME, and corporate customers with a pan-India network of 1500+ branches. Its range of offerings includes Consumer Finance, Housing Finance, Commercial Finance, Cleantech Finance, Microfinance, Debt Syndication, Private Equity, and Credit Cards.
Offices: Ganpatrao Kadam Marg, Mumbai, Maharashtra 400013, IN
How many Management & Leadership jobs are open in Lucknow, India right now?
There are currently 135 open management & leadership positions in Lucknow, India listed on Clera. New openings are added daily as companies post roles.
Which companies are hiring for Management & Leadership roles in Lucknow, India?
Companies currently hiring include Kotak Mahindra Bank, CodeArray Technologies Pvt Ltd, Hilton, Amazon, Mahindra and Mahindra Limited [Automotive and Farm Equipment Business], among others. Browse the listings above to see every active employer.
Are there remote or hybrid Management & Leadership jobs in Lucknow, India?
Yes — 18 of the 135 open management & leadership positions offer remote or hybrid work (13 remote, 5 hybrid).
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