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