Senior Mortgage Portfolio Manager

2 weeks ago


Satara, Maharashtra, India beBeeCreditAnalyst Full time ₹ 5,00,000 - ₹ 8,00,000

Job Description:

To underwrite mortgage business and manage the portfolio in assigned location. Lead a team of analysts to review and assess complex loan applications within defined guidelines, making decisions or recommending approvals to higher authorities.

Key Responsibilities:

  • Review loan proposals as per policies and procedures, honoring agreed service level agreements and managing business volumes.
  • Conduct customer discussions to establish credit worthiness, ensuring completion of necessary documents and verification – telephonic, field & collateral visits.
  • Assess income to obligation ratios, loan to value ratios, and other factors impacting loan performance over long tenures.
  • Maintain portfolio MIS, delinquency MIS, and operations-related MIS, reporting regularly.
  • Build effective relationships with third parties to deliver best outcomes for clients.
  • Address client queries using industry knowledge and experience to overcome challenges and solve problems.
  • Exceed service quality standards and strive for continuous process improvement.
  • Undertake critical reviews of credit proposals to identify risks.
  • Ensure collateral and credit risk mitigation to facilitate approving authority decisions.
  • Enable quick turnaround times for credit lending proposals in collaboration with sales teams.
  • Monitor credit exposures to ensure they remain bankable.
  • Document and monitor client and collateral creditworthiness from pre-sanction to post-disbursement phases, taking steps for risk mitigation when required.
  • Manage the credit underwriting function and facilitate quick proposal turnaround in liaison with local credit analysts and sales teams.

Qualifications and Certifications:

Graduate degree; Master’s/Post Graduate preferred. Relevant certifications like CA/MBA are advantageous.



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