Manager - Retail Credit - Credit - Housing - EM - Ratlam - Palace Road - JM
- Location Ratlam, Madhya Pradesh, India
- Experience ~5-10 yrs
- Job type Full-time
- Posted 7 Oct 2026
You will be taken to the employer’s own careers page to apply.
Job details
- Qualification
- MBA
- Job ID
- 54864
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.