The Credit Manager is responsible for evaluating and approving Home Loan and LAP applications by analyzing customer income, financial documents, repayment capacity, property valuation, and risk factors. The role ensures quality underwriting while maintaining portfolio health and policy compliance.
Key Responsibilities
Assess Home Loan and LAP applications as per company credit policy
Analyze customer income documents, bank statements, CIBIL reports, GST/ITR, and financials
Evaluate repayment capacity and calculate eligibility
Conduct personal discussions with customers when required
Coordinate with sales, legal, technical, and operations teams
Verify property and collateral-related documents
Recommend approval/rejection with proper justification
Maintain TAT (Turn Around Time) for loan processing
Monitor portfolio quality and minimize delinquency risk
Ensure compliance with RBI and internal policies
Required Skills
Credit underwriting
Financial analysis
Income assessment
Risk evaluation
Knowledge of Home Loan & LAP products
Understanding of CIBIL and banking norms
Communication and decision-making skills
Eligibility
Graduate / MBA preferred
Experience: 2–6 years in Home Loan, LAP, Mortgage, or Secured Lending
Experience in banks, NBFCs, or housing finance companies preferred
Preferred Knowledge
Salaried and self-employed income assessment
CAM preparation
Banking and mortgage policies
Property valuation and legal process
Pay: ₹15,000.00 - ₹30,000.00 per month
Work Location: In person
