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.
- Verify property-related documents and coordinate with legal and technical teams for title clearance, valuation, and property assessment.
- Monitor TAT (Turnaround Time) and ensure cases are processed within defined timelines.
- Maintain accurate records and ensure data quality in CRM systems.
- Follow up on pending documents, credit queries, legal/technical reports, and sanction conditions.
- Support pre-disbursement checks and ensure all required conditions are fulfilled before disbursement.
- Escalate high-risk cases, policy deviations, fraud indicators, and documentation discrepancies to the appropriate authority.

Preferred candidate profile

- Min 10-14 years of experience in Mortgage Credit

📌 Area Credit Manager (Bengaluru)
🏢 IHFL
📍 Bengaluru