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Location: Warangal, India
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 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 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)
Job Info
Job Identification
56666
Posting Date
11/03/2026
Apply Before
08/18/2027
Job Schedule
Full time
Locations
2nd Floor, Lopamudra Arcade, 2-1-1014 & 1276/A, 3A, 3B, 3C, 3D, 3E, 3F, 3G & 3H, Naim Nagar, Hanamkonda, Warangal, Telangana - 506001, Warangal, Telangana, 506001, IN
Job data: Headcount Labs (headcountlabs.com), ODbL 1.0. The job description belongs to the employer. Location data © OpenStreetMap contributors and Overture Maps.
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