- Evaluate and underwrite secured loan applications such as:
- Home Loans (HL)
- Loan Against Property (LAP)
- Mortgage Loans
- SME Secured Loans
- Business Loans against collateral
- Analyze financial statements, income documents, bank statements, GST returns, ITRs, and cash flow.
- Assess applicant repayment capacity and overall creditworthiness.
- Conduct property and collateral evaluation by reviewing legal and technical reports.
- Ensure adherence to internal credit policies, RBI guidelines, and regulatory requirements.
- Identify potential risks and recommend appropriate mitigants.
- Coordinate with Sales, Legal, Technical, Operations, and Credit Processing teams for smooth loan processing.
- Approve or recommend cases within delegated authority limits.
- Monitor portfolio quality and maintain delinquency within acceptable levels.
- Handle credit deviations and provide detailed justifications.
- Maintain TAT while ensuring sound credit quality.
- Support audit, compliance, and policy implementation initiatives.