Credit Underwriting Manager

2 weeks ago


California, Missouri, United States Tata Capital Full time

Key Responsibilities:


Evaluate and analyze a diverse array of intricate loan applications in accordance with established guidelines, making decisions or recommending approvals to senior management.

Underwrite applications following the defined policies and procedures to meet the agreed service level agreements (SLAs) while managing business volumes in the designated area.

Engage in personal discussions with clients to determine creditworthiness, ensuring the completion of credit and KYC documentation, along with verification through telephonic, field, and collateral assessments.

Analyze income-to-obligation ratios and loan-to-value ratios, possessing a thorough understanding of the rationale behind these calculations and their implications on long-term loan performance.

Maintain comprehensive Portfolio Management Information Systems (MIS), Delinquency MIS, and other operational MIS for the cluster, providing regular updates.
Foster and enhance client relationships by effectively collaborating with third-party stakeholders.
Take responsibility for client inquiries, utilizing industry expertise to navigate challenges and resolve issues.
Surpass service quality benchmarks and pursue ongoing process enhancements.

Conduct thorough evaluations of credit proposals to identify risks related to industry, business, financial aspects, management, and facility structure.

Ensure appropriate collateral and other risk mitigation strategies are in place to assist decision-makers in evaluating credit proposals.

Facilitate prompt processing of credit lending proposals for mortgage products, including loans against property and home loans, in close coordination with the sales team.

Continuously review credit exposures to confirm ongoing bankability.

Oversee the critical assessment and documentation of proposals, effectively monitoring client and collateral creditworthiness from pre-sanction to post-disbursement, taking necessary actions for risk mitigation while adhering to legal and documentation standards.

Manage the credit underwriting operations of the branch, ensuring swift processing of credit lending proposals in collaboration with local credit analysts and the sales team.

Ensure timely recovery of quick mortality cases between MOV.

Qualifications:
Bachelor’s degree, Master’s/Postgraduate degree

Certifications:
CA/MBA (Preferred)

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