Key Responsibilities:
- Assess LAP loan proposals (salaried and self-employed) based on financials, banking behavior, and property valuation
- Analyze income documents such as ITRs, balance sheets, GST returns, and bank statements
- Evaluate creditworthiness using bureau reports (e.g., CIBIL) and internal risk models
- Conduct personal discussions (PDs) and understand business profiles for self-employed clients
- Review legal and technical reports related to property collateral
- Ensure compliance with internal credit policies and regulatory guidelines (e.g., RBI norms)
- Prepare credit appraisal notes and recommend approvals/rejections
- Coordinate with sales, legal, technical, and operations teams for smooth processing
- Monitor portfolio quality and identify early warning signals
- Maintain turnaround time (TAT) and decision accuracy
Required Skills & Competencies:
- Strong understanding of LAP products and secured lending
- Financial analysis and risk assessment skills
- Knowledge of property valuation and legal documentation
- Familiarity with credit bureaus like CIBIL and Experian
- Strong analytical thinking and attention to detail
- Good communication and stakeholder management skills
- Ability to make decisions within defined risk frameworks
Ticket Size: 50 Lakhs to 3 Crores
