{"id":47004,"date":"2025-03-04T23:59:36","date_gmt":"2025-03-04T23:59:36","guid":{"rendered":"https:\/\/www.whitehattoolbox.com\/jobs\/manager-retail-credit-credit-housing-em-anantapur-m-m-arcade-jm-sh\/"},"modified":"2025-03-04T23:59:36","modified_gmt":"2025-03-04T23:59:36","slug":"manager-retail-credit-credit-housing-em-anantapur-m-m-arcade-jm-sh","status":"publish","type":"post","link":"https:\/\/www.whitehattoolbox.com\/jobs\/manager-retail-credit-credit-housing-em-anantapur-m-m-arcade-jm-sh\/","title":{"rendered":"Manager – Retail Credit – Credit – Housing – EM – Anantapur – M & M Arcade – JM *SH"},"content":{"rendered":"

Job Description:<\/b><\/span>\u8def To underwrite mortgage business and manage the portfolio in assigned branch\/location<\/span>Core Responsibilities:<\/b><\/span>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.<\/span>o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city\/area business volumes.<\/span>o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit\/KYC documents and verification- telephonic, field & collateral visits.<\/span>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.<\/span>o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.<\/span>o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties<\/span>o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems<\/span>o Exceed service quality standards and strive for continuous process improvement<\/span>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.<\/span>o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal.<\/span>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.<\/span>o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable.<\/span>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<\/span>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.<\/span>o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.<\/span>Qualification: Graduate, Masters\/Post Graduate<\/span>Certifications: CA\/MBA (Preferable)<\/p>\n

Apply Now<\/a> <\/b><\/center><\/p>\n","protected":false},"excerpt":{"rendered":"

Job Description: \u8def 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<\/p>\n","protected":false},"author":1,"featured_media":47005,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[15,24],"tags":[],"class_list":["post-47004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jobs-in-india","category-mba-jobs"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.whitehattoolbox.com\/jobs\/wp-content\/uploads\/2025\/03\/47004-manager-retail-credit-credit-housing-em-anantapur-m-m-arcade-jm-sh.png?fit=1306%2C840&ssl=1","jetpack-related-posts":[{"id":110431,"url":"https:\/\/www.whitehattoolbox.com\/jobs\/manager-retail-credit-credit-housing-dm-mumbai-afl-house-jm\/","url_meta":{"origin":47004,"position":0},"title":"Manager – Retail Credit – Credit – Housing – DM – Mumbai – AFL House – JM","author":"Admin","date":"September 1, 2025","format":false,"excerpt":"Job Description: 10795 \u8def 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\u2026","rel":"","context":"In "Jobs in India"","block_context":{"text":"Jobs in India","link":"https:\/\/www.whitehattoolbox.com\/jobs\/category\/jobs-in-india\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":118523,"url":"https:\/\/www.whitehattoolbox.com\/jobs\/were-hiring-commercial-credit-analyst\/","url_meta":{"origin":47004,"position":1},"title":"We\u2019re Hiring Commercial Credit Analyst","author":"Admin","date":"November 27, 2025","format":false,"excerpt":"The Commercial Credit Analyst will support the lenders in underwriting requests for credit extensions to new and existing commercial clients. 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