years of relevant experience in mortgage lending (LAP/Home Loans) in Banks/HFCs/large NBFCs (e.g., HDFC, ICICI Bank, PNB Housing, Bajaj Housing, Aditya Birla Housing, Tata Capital Housing, Five Star, Aptus Housing, Veritas, etc.).
Education:
Graduate/Post-Graduate in any discipline. Law degree (LLB) highly preferred.
Skills & Competencies:
In-depth knowledge of property laws, Transfer of Property Act, SARFAESI Act, Registration Act, RERA, and local stamp acts.
Compensation:
depending on current CTC+ performance bonus
Key Responsibilities:
1. Operations:
(End-to-End Mortgage Processing)
Oversee complete loan origination to disbursement cycle for Loan Against Property (LAP), Home Loans and Construction Finance.
Manage Central Operations team (C-KYC, credit appraisal coordination, login, sanction, legal & technical verification, disbursement, post-disbursement documentation & mortgaging).
Ensure 100% compliance with RBI/NHB Fair Practices Code, KYC-AML guidelines, and internal turn-around-time (TAT) SLAs.
Drive process digitization, LOS/LMS implementation, and workflow automation.
Vendor management for C-KYC, fraud control, and disbursement-related agencies.
Monitoring of pre- and post-disbursement deviations and resolution.
2. Legal Management:
End-to-end handling of legal due-diligence for mortgage loans (title search, encumbrance verification, deviation approval).
Coordination with empaneled advocates / law firms across locations.
Drafting, vetting, and standardization of loan agreements, mortgage deeds, guarantee deeds, tripartite agreements, etc.
Creation and registration of equitable & registered mortgage; tracking of original property documents.