Area Credit Manager-CEQ-Credit Appraisal-Rajkot

As an Underwriter for corporate finance business in the assigned area, your primary responsibility will be to manage the portfolio effectively. You will collaborate with business teams to handle the end-to-end credit approval process for the designated region. This includes underwriting cases and presenting them to senior management for review and approval. You will be accountable for authorizing deviations raised by underwriters in compliance with credit policy. Additionally, you will be finalizing the review of credit memos prepared by underwriters and providing approval or decline sign-offs after verifying documentation requests. It will also be your responsibility to approve all disbursement requests based on adherence to agreement value requirements and complete documentation at the branch level. Monitoring and overseeing the management of Personal Discussion Documents (PDD) by conducting customer visits in high-value cases will be crucial. You will need to coordinate with external vendors such as Financial Institutions, Legal, and Technical valuation teams to ensure timely query resolution and report submission, eliminating any unnecessary delays. Leading a team of credit approvers to maintain portfolio quality and minimize delinquencies will be part of your role. Engaging in the development, implementation, and monitoring of various credit programs, along with providing training and coaching to enhance the team's competencies and processing efficiency, will also be essential. Your tasks will also involve ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and loan sanctioning processes. Customizing underwriting norms to meet local market requirements and continuously enhancing the consumer credit risk strategy will be critical for success in this role. To qualify for this position, candidates are expected to have an MBA/PGDBA/PGPM/CA or an equivalent qualification.,