Job Title

Credit Appraiser - Self Employed

Business Unit

Retail Credit

Reporting To

RC Double Checker - Self Employed

Job Function and Role Type

Home Loans - Credit, IC

Version No

1.0

Job Purpose

Responsible for quality underwriting of home loans within stipulated timelines, adhering to HL policy and regulatory parameters.

Key Responsibilities

Credit Appraisal

Conduct credit appraisal and underwriting for self-employed customers; Assess risk and repayment capacity by reviewing financial documents; Manage the credit application process from login to sanction; Ensure portfolio quality management.

Loans Processing

Review files post-login within stipulated timelines and address shortfalls; Initiate technical valuations for value-based loans; Recommend loan applications for approval post-appraisal and discussions, ensuring compliance with lending policies.

Relationship Management

Maintain relationships with channel partners to process loan applications within defined TAT; Coordinate with legal, technical, CCV, and risk containment units for file processing.

Interaction and Loan Counseling

Engage with customers via phone or email to understand their needs; Clarify document-related queries to make informed loan decisions.

Training

Provide regular training to CPAs and channel partners on policy and regulatory updates.

Education:

M.Com, MBA Finance, CA, or CA Inter.

Certifications:





None specified.

Key Competencies

Communication skills, integrity, teamwork, analytical skills, time management.

Major Stakeholders

Customers, operations, technical team, legal team, channel partners, builders, verification agencies.

Skills

NA

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 CREDIT APPRAISER-SELF EMP (India)
🏢 HDFC Bank
📍 India