Credit Processing Associate

Key Skills

1. Credit Operations HL & LAP: Home Loan (HL) and Loan Against Property (LAP) application processing, customer profile verification, KYC & AML documentation, income and property document verification, credit appraisal, legal/technical coordination, sanction processing, and disbursement documentation.

2. Financial Assessment: Analysis of bank statements, salary slips, Form 16/ITR, GST returns and financial statements to assess income stability, repayment capacity, FOIR/DTI, and overall creditworthiness for HL & LAP customers.

3. HL & LAP Credit Appraisal: Assessment of salaried and self-employed profiles, evaluation of residential/commercial property cases, LTV assessment, existing obligations, bureau history, banking conduct, and identification of credit risks.

4. Property & Collateral Assessment: Coordination for property valuation, technical and legal reports, title/property document verification, marketability of collateral, LTV compliance, and identification of deviations or documentation gaps.

5. Technical Tools: Loan Management Systems (LMS), CRM, CIBIL/Credit Bureau portals, banking/verification portals, MS Excel, and internal credit processing systems for application tracking, bureau checks, data analysis, and MIS reporting.

6. Soft Professional Skills: Turnaround Time (TAT) management, attention to detail, credit risk identification, compliance tracking, deviation monitoring, query resolution, and effective coordination with Sales, Credit, Legal, Technical, Operations, and Disbursement teams.

Preferred Candidate: Only Male Candidates can apply