Role & responsibilities

- Handle end-to-end credit processing for Home Loans, Loan Against Property (LAP), and Mortgage products.
- Verify customer KYC, Income, Banking, financials, property, and other loan-related documents.
- Conduct preliminary assessment of customer creditworthiness, repayment capacity, income stability, and existing obligations.
- Analyze salary slips, Form 16, ITRs, bank statements, GST returns, financial statements, and business documents as applicable.
- Review bureau/CIBIL reports, repayment history, existing liabilities, and credit behaviour.
- Coordinate with sales, credit, operations, legal, technical and external agencies for smooth processing.
- Ensure compliance with credit policy, eligibility norms, documentation requirements, and regulatory guidelines.




- Identify discrepancies, gaps, or potential risks in applications and obtain necessary clarifications/documents.
- Prepare and maintain credit notes, login sheets, deviation details, and case-related MIS/reports.
- Coordinate with credit managers/underwriters for case assessment, queries, approvals, and sanction processing.
- Track cases from login to sanction and disbursement, ensuring timely resolution of pending requirements.otes, login sheets, deviation details, and case-related MIS/reports.

Preferred candidate profile

- Min 4-8 years of experience in Mortgage Credit

📌 Branch Credit Manager (Mysuru)
🏢 IHFL
📍 Mysuru