Underwriter Credit Manager
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Mortgage Underwriter with 6+ years of experience in end-to-end credit appraisal of residential mortgages and secured lending products. Strong expertise in borrower income assessment, property risk evaluation, credit bureau analysis, and policy-based underwriting. Proven track record of delegated credit approvals, portfolio quality maintenance, and turnaround time optimization. Well-positioned for Mortgage Underwriter roles
Mortgage Underwriter and Credit Risk professional with over six years of experience in residential mortgage and secured lending underwriting across leading Indian banks. Currently managing end-to-end credit appraisal for Home Loans, Loan Against Property (LAP), and Affordable Housing portfolios within a centralized underwriting environment. Experienced in borrower income and affordability assessment, credit bureau analysis, and legal and technical property risk review.
Holds delegated credit sanction authority and a strong track record of maintaining portfolio quality, reducing turnaround time, and ensuring policy compliance through close coordination with sales, operations, legal, and technical teams.
ost & Management Accountant (CMA / ICWA) from the Institute of Cost Accountants of India, providing a strong foundation in financial analysis, cost management, accounting standards, and risk assessment directly applicable to mortgage underwriting and credit risk roles. Additionally holds a Bachelor of Commerce degree from the University of Calcutta, with formal training in accounting, finance, and business fundamentals.
