- Underwrite and evaluate Loan Against Property (LAP) proposals.
- Analyze financial statements, bank statements, ITRs, GST returns, and repayment capacity.
- Review CIBIL reports and assess customer creditworthiness.
- Verify legal and technical reports related to collateral properties.
- Recommend or approve loan proposals within the delegated authority.
- Ensure compliance with internal credit policies and RBI guidelines.
- Coordinate with Sales, Operations, Legal, Technical, and Collections for timely case processing.
- Maintain quality underwriting and defined Turnaround Time (TAT).
- Monitor portfolio quality and identify potential credit risks.
Preferred candidate profile
- Graduate in Commerce, Finance,
Business Administration, or a related discipline.
- MBA (Finance) will be an added advantage.
- 4 to 10 years of experience in Credit Underwriting within an NBFC, Bank, or Housing Finance Company.
- Minimum 3 years of hands-on experience in Loan Against Property (LAP) credit.
- Robust knowledge of financial analysis, property assessment, legal & technical evaluation, and risk management.
- Excellent analytical, communication, and decision-making skills.
- Location - Noida, Ghaziabad, Hapur and Meerut