Key Responsibilities:Credit Assessment:Evaluate home loan proposals based on income documents, banking, credit bureau reports, property documents, and other risk parameters.Conduct personal discussions (PD) where required and provide recommendations.Underwriting & Approval:Approve files within assigned credit authority limits.Recommend and escalate cases exceeding authority levels with proper justification.Policy Implementation:Ensure adherence to internal credit policy, regulatory norms (RBI, NHB), and KYC guidelines.Provide feedback to policy team for potential changes based on market trends.Risk Management:Identify fraud indicators and conduct risk-based verifications.Work with legal and technical teams for thorough due diligence on property and title checks.Portfolio Monitoring:Monitor the portfolio for early delinquencies and high-risk indicators.Collaborate with collections and sales teams to reduce NPAs.Stakeholder Management:Liaise with sales, operations, legal, and technical teams for smooth processing.Conduct training for sales and field staff on documentation and risk norms.System and Documentation:Maintain updated MIS and dashboards.Ensure proper documentation and data entry in LOS/LMS systems.
