1) Atleast 5 to 8 years experience into secured Loan division Or LAP (Mortgages)
2) Candidate should have the knowledge of credit underwriting for the products of Business loan.
3) Credit Appraisal of loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
4) Assessing creditworthiness of the potential client by studying requisite financial history.
5) Underwriting and making proposals of cases with desired level of quality
6) Ensuring systematic verification processes and coordinating with verification agencies
7) Finalization of terms and conditions of the proposal in consultation with Relationship Managers.
8) Timely processing of the proposals to ensure the Best in class TAT.
9) Ensuring adherence to the credit policy, internal policy, RBI guidelines and other guidelines.
10) Monitoring delinquencies regularly.