Area Credit Manager-Mid Corporate-Credit Appraisal-Chennai

You will be responsible for underwriting corporate finance business and managing the portfolio in your assigned area. Your key duties will include supporting and collaborating with business teams to oversee the end-to-end credit approval process for the designated region. You will underwrite cases and present them to senior management for approval. Additionally, you will be required to authorize deviations raised by underwriters in compliance with credit policy, finalize reviews of credit memos prepared by underwriters, and provide approval/decline sign-offs on each file after ensuring all documentation requirements are met. You will also approve all disbursement requests based on the adherence to agreement value requirements and full documentation at the branch level. Monitoring and overseeing Personal Discussion Document (PDD) management, ensuring timely completion through customer visits in high-value cases, will be a crucial part of your role. You will also need to coordinate with external vendors such as Financial Institutions, Legal, and Technical valuations to resolve queries promptly and eliminate any delays not related to the process. Furthermore, you will lead a team of credit approvers to maintain portfolio quality and manage delinquencies effectively. Your responsibilities will also involve participating in the development, implementation, review, and monitoring of various credit programs. Providing training and coaching to enhance the team's competency and improve processing efficiency will be essential. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans will be a core part of your role. You will be expected to develop underwriting norms tailored to local market requirements and continuously enhance and execute consumer credit risk strategies. The ideal candidate for this role should possess an MBA/PGDBA/PGPM/CA or equivalent qualification.,