Role & responsibilities

1. Underwrite and evaluate Loan Against Property (LAP) proposals. Analyze financial statements, bank statements, ITRs, GST returns, and repayment capacity.

2. Review CIBIL reports and assess customer creditworthiness.
3. Verify legal and technical reports related to collateral properties.
4. Recommend or approve loan proposals within the delegated authority.
5. Ensure compliance with internal credit policies and RBI guidelines.
6. Coordinate with Sales, Operations, Legal, Technical, and Collections for timely case processing.

7. Maintain quality underwriting and defined Turnaround Time (TAT).
8. Monitor portfolio quality and identify potential credit risks.

Preferred candidate profile

1. Graduate in Commerce, Finance, Business Administration
2. MBA (Finance) will be an added advantage.
3. 48 years of experience in Credit Underwriting within an NBFC/Bank/HFC
4. Minimum 3 years of hands-on experience in Loan Against Property (LAP) credit.
5. Solid knowledge of financial analysis, property assessment, legal & technical evaluation, and risk management.
6. Excellent analytical, communication, and decision-making skills.

📌 Walk-in || Branch Credit Manager (Ghaziabad)
🏢 Janasha Finance
📍 Ghaziabad