Area Credit Manager-CEQ-Credit Appraisal-Kolkata

As an underwriter for corporate finance business in your assigned area, your role will involve the following key responsibilities: - Support and co-partner with business teams to manage end-to-end credit approval for the designated region. - Underwrite cases and present them to senior levels for review. - Authorize deviations raised and documented by underwriters in compliance with credit policy. - Finalize the review of credit memos prepared by underwriters, and provide approval/decline sign-offs on every file after checking for documentation requests. - Approve all disbursement requests based on adherence to requirements on agreement value and full documentation attainment at the branch level. - Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. - Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate any undue/non-process related delays. - Co-ordinate with the recoveries team to generate business insights. - Lead a team of credit approvers to ensure portfolio quality and minimize delinquencies. - Engage in the development, implementation, review, and monitoring of various credit programs, providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. - Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. - Evolve underwriting norms customized to local market needs and ensure the continued enhancement and execution of consumer credit risk strategy. Qualifications required for this role include: - MBA/PGDBA/PGPM/CA or Equivalent,