to join our team. The ideal candidate will have a strong understanding of credit assessment, financial analysis, and risk evaluation, along with the ability to work collaboratively with internal teams and stakeholders.
Roles and Responsibilities
Conduct detailed assessment of borrower profiles, including repayment capacity and income stability.
Handle loan ticket sizes up to ₹1.5 crore.
Perform personal discussions (PD) by visiting customers' business premises, properties, and residences.
Evaluate actual business income and expenses beyond reported figures to ensure accurate credit analysis.
Assess customer creditworthiness and repayment intent through document analysis, observations, and PD findings.
Review and interpret legal, technical, and internal reports related to the property and borrower.
Underwrite and sanction home loan or loan against property applications sourced by the sales team.
Address post-sanction conditions and ensure smooth disbursement by resolving internal queries.
Recommend cases to supervisors for decisions based on deviation or approval matrix.
Collaborate and communicate effectively with various internal departments.
Maintain turnaround time (TAT) as per organizational guidelines and ensure timely decision-making.
Adhere to company policies and processes for all loan applications.
Monitor non-starters and first EMI bounce cases to mitigate potential risks.
Prepare and maintain MIS reports to track portfolio performance and risk indicators.
Continuously enhance underwriting standards based on portfolio performance insights.
Key Skills and Requirements
Graduate with a minimum of 5 years of experience in credit assessment or underwriting.
Strong understanding of the affordable housing segment.
Excellent analytical, decision-making, and interpersonal skills.
Ability to manage multiple cases efficiently while maintaining accuracy and compliance.
Benefits
Competitive salary and performance-based bonuses.
Comprehensive mediclaim coverage for you and your dependents.
Access to continuous learning and professional development resources.
Job Type: Full-time
Benefits:
Health insurance
Work from home
Work Location: In person
Job Type: Full-time
Pay: From ?40,000.00 per month
Benefits:
Health insurance
Work from home
Work Location: In person
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