
Senior Mortgage Portfolio Manager
2 weeks ago
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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