- Interpretation of Credit Bureau Report, Assessment of Income, Analysis of Bank Statements, Assessing eligibility.
- Customer Interaction to understand needs, finds solutions within the product range available.
- Conducting Background verification (BGV) of Customer and Guarantor on need basis.
- Tele verification of Salaried & Self-Employed Customer before recommendation of the loan proposal.
- Preparation of Credit Appraisal Memo (CAM), Loan Recommendation Sheet (LRS) using excel sheets or programs.
- Knowledge of basic legal documentation involved in an acquisition of a home.
- Knowledge of technical fundamentals involved in an acquisition of a home.
- Cash flow method of assessment of Salaried and Self-Employed Loan
- Co-ordinating with Operation team for File sanctioning in Loan Management System, Customer Calling, Query resolving, File login at NHFL, Faster Sanction, keeping a check on TAT for Login & Sanction, Legal, Technical vendors.
- Disbursement Follow-up with Customer & Sales force, and Technical Updating for Fresh and Tranche Disbursement.
- Maintain updated records of loan applications.
- Resolve audit queries raised by the Audit / Compliance Team.

📌 Credit Officer (Tiruvannamalai)
🏢 Nivara Home Finance
📍 Tiruvannamalai