Job Title
Credit Appraiser - Self Employed
Business Unit
Retail Credit
Reporting To
RC Double Checker - Self Employed
Job Function and Role Type
Home Loans - Credit, IC
Version No
1.0
Job Purpose
Responsible for quality underwriting of home loans within stipulated timelines, adhering to HL policy and regulatory parameters.
Key Responsibilities
Credit Appraisal
Conduct credit appraisal and underwriting for self-employed customers; Assess risk and repayment capacity by reviewing financial documents; Manage the credit application process from login to sanction; Ensure portfolio quality management.
Loans Processing
Review files post-login within stipulated timelines and address shortfalls; Initiate technical valuations for value-based loans; Recommend loan applications for approval post-appraisal and discussions, ensuring compliance with lending policies.
Relationship Management
Maintain relationships with channel partners to process loan applications within defined TAT; Coordinate with legal, technical, CCV, and risk containment units for file processing.
Interaction and Loan Counseling
Engage with customers via phone or email to understand their needs; Clarify document-related queries to make informed loan decisions.
Training
Provide regular training to CPAs and channel partners on policy and regulatory updates.
Education:
M.Com, MBA Finance, CA, or CA Inter.
Certifications:
None specified.
Key Competencies
Communication skills, integrity, teamwork, analytical skills, time management.
Major Stakeholders
Customers, operations, technical team, legal team, channel partners, builders, verification agencies.
