Role & responsibilities
- Assessment of borrowers profiles, repayment capacity and income stability.
- Visiting business premise, property and residence of customer at the time of PD
- Understanding of actual business income & expenses (other than reported income) of customer
- Ability to understand customer business and requirement from their perspective
- Understanding credit worthiness of customer along with intention to repay the loan by analysis of all documents, observation & findings of PD
- Study, analysis and interpretation of legal & technical reports of property
- Study, analysis and interpretation of other internal check reports
- Underwriting and sanction of Home loan/loan against property files sourced by sales team
- Revert on post sanction conditions prior to disbursement based on queries raised by the team
- Recommendation of case to supervisors for seeking necessary decision based on deviation/ approval matrix
- Co-ordinate and communicate with different departments
- Maintaining TAT as per guidelines and taking case to decision point
- Adherence to the policy/ process laid out by the Central team on all loan applications being processed
- Close monitoring on non-starters/first EMI bounce trends
- Audit compliance on all aspects stipulated by Head Office and regulatory compliance
- Maintaining and reporting of various MIS to monitor portfolio performance and risk
- Continuously improvise underwriting capability based on portfolio performance
Key Skillsets / Requirements:
- Graduate with 3 - 5 years experience.
- 2+ years of relevant work experience.
