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Comfortable with 5-day working (Alternate Saturdays working)
Department: Credit
Location: Mumbai
Employment Type: Fulltime
Roles & Responsibilities
Assessment of borrowers profiles, repayment capacity and income stability.
Visiting business premise, property and residence of customer atthe time of PD
Understanding of actual business income & expenses (other than reported income) of customer
Ability to understand customer business and requirement from their perspective
Understanding credit worthiness of customer along with intention to repay the loan by analysis
of all documents, observation & findings of PD
Study, analysis and interpretation of legal & technical reports of property
Study, analysis and interpretation of other internal check reports
Underwriting and sanction of Home loan/loan against property files sourced by sales team
Revert on post sanction conditions prior to disbursement based on queries raised by the team
Recommendation of case to supervisors for seeking necessary decision based on deviation/
approval matrix
Co-ordinate and communicate with different departments
Maintaining TAT as per guidelines and taking case to decision point
Adherence to the policy/ process laid out by the Central team on all loan applications being
processed
Close monitoring on non-starters/first EMI bounce trends
Maintaining and reporting of various MIS to monitor portfolio performance and risk
Continuously improvise underwriting capability based on portfolio performance
Key Skills / Requirements
Graduate with 3 - 5 years experience.
Strong knowledge of Prime home segment
Benefits
Competitive salary packages and bonuses.
Mediclaim plans for you and your dependents
Access to educational resources for self-improvement technical and non-technical
Job ID: 132874563
