State Head - Retail Credit - Mortgages - Credit - Housing - EM - Rajam - Cheepurupalli Road - MM

As an Underwriter in the mortgage business, your primary responsibility will be to manage the portfolio in your assigned area. You will collaborate closely with business teams to oversee end-to-end credit approval processes for the designated region. This includes underwriting salaried SENP/SEP for both retail and high-value cases, presenting these cases to senior management for approval. You will be responsible for authorizing deviations raised by underwriters in compliance with credit policy guidelines. Additionally, you will review credit memos prepared by underwriters, ensuring that all documentation requirements are met before providing approval or decline sign-offs on each file. Approving disbursement requests based on adherence to requirements such as Loan-to-Value ratio, agreement value, and full documentation attainment at the branch level will also be part of your role. You will oversee the management of Personal Discussion Documents (PDD) and ensure timely completion through customer visits, particularly in high-value cases. In this position, you will coordinate with external vendors such as Financial Institutions, Legal, and Technical valuation teams to ensure prompt query resolution and report submission, minimizing any delays that are not process-related. Working closely with the recoveries team, you will generate valuable business insights. Leading a team of credit approvers will be essential to maintain portfolio quality and manage delinquencies effectively. You will actively participate in the development, implementation, review, and monitoring of various credit programs, providing training and coaching to enhance the team's skills and improve processing efficiency. Your role will involve conducting thorough due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. You will also play a crucial role in evolving underwriting norms tailored to local market requirements, ensuring continuous improvement and execution of consumer credit risk strategy.,