Manager - Retail Credit - Credit - Housing - DM - Mumbai - AFL House - JM

2 weeks ago

Mumbai India Tata Mutual Fund Full time

Job Description 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. Qualification: Graduate, Masters/Post Graduate Certifications: CA/MBA (Preferable)

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    Tiruvallur, India PNB Housing Finance Limited Full time

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    Mumbai, India Lisa HR Consultancy Full time

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    1 week ago

    Mumbai, India Morpheus Human Consulting Full time

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    2 weeks ago

    Mumbai Metropolitan Region, India Piramal Finance Full time ₹ 1,00,00,000 - ₹ 3,00,00,000 per year

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    Navi Mumbai, India Morpheus Human Consulting Full time

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    1 week ago

    Navi Mumbai, India Morpheus Human Consulting Full time

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  • Officer - DSA Payout Process - Retail Centralized Operations - Housing - Central Operations - Mumbai - Lodha (I-Think Techno Campus) - B wing - JM

    2 weeks ago

    Mumbai, Maharashtra, India Tata Capital Full time ₹ 3,50,000 - ₹ 7,00,000 per year

    Officer - DSA Payout Process - Retail Centralized Operations - Housing - Central Operations - Mumbai - Lodha (I-Think Techno Campus) - B wing - JM