Role & responsibilities
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.