State Head - Retail Credit - Credit - Housing - EM - Nandyal - Sanjeev Nagar - MM

As a Mortgage Underwriter, your primary responsibility will be to underwrite mortgage business and effectively manage the portfolio within your assigned area. You will collaborate closely with business teams to facilitate end-to-end credit approval processes for the designated region. Your role will involve underwriting salaried SENP/SEP for retail and high-value cases, presenting them to senior management for approval. You will be entrusted to authorize deviations raised and documented by underwriters in compliance with credit policy guidelines. A critical aspect of your job will be to review credit memos prepared by underwriters, ensuring thorough documentation and making approval or decline decisions for each file. You will also be responsible for approving all disbursement requests based on adherence to requirements such as Loan-to-Value ratio, agreement value, and complete documentation at the branch level. Monitoring and overseeing Personal Discussion Document (PDD) management will be part of your duties, ensuring timely completion through customer visits for high-value cases. Additionally, you will coordinate with external vendors such as Financial Institutions, Legal, and Technical valuation providers to resolve queries promptly and eliminate any delays not related to the process. Collaborating with the recoveries team to derive business insights and leading a team of credit approvers to maintain portfolio quality and minimize delinquencies will be essential. Your involvement in developing, implementing, reviewing, and monitoring credit programs, along with providing training and coaching to enhance the team's competency and processing efficiency, will be key to success. You will play a crucial role in ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting, and loan sanctioning processes. It will be your responsibility to evolve underwriting norms tailored to local market needs, continually enhance consumer credit risk strategy, and oversee the execution of these strategies effectively.,