3 Jacinth Finvest Jobs

Key Performance Areas:

• Understanding of credit policy and process thoroughly including the products available.
• Document and KYC verification, completing the loan application process from login to disbursement by collecting all the required documents.
• Scrutinizing the documents shared by the customer to check the eligibility and for accuracy/genuineness of the documents to consider the application for loan eligibility.
• Credit underwriting and CAM preparation - Underwriting/recommending of proposals for non collateral/collateral backed.
• Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. Decision making within defined TAT.
• Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training.
• Carry out Tele verifications to validate the information provided in the application.
• Require knowledge on analyzing the credit bureau reports.
• Understanding the business license and Udhyam Registration.
• Use performance history along with financial analysis, liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation.
• Interact with Customers & understand the business and regularly monitor delinquencies.
• Understanding of property/collateral related knowledge (like legal title and market value of the property)
• Coordinate with branch and sales team to ensure the applications are completed as per the timelines.
• Coordinating with Operations team for disbursement.
• Handling audit queries and providing clarifications.

Educational Qualification/Knowledge

• Any Graduate or Post Graduate
• Basic knowledge of loan underwriting and banking.
• Knowledge of Mortgage Lending Business- awareness on risk involved wrt to title of property
• Should be able to conduct Tele Verification with clients (self employed) independently and arrive at cash flow analysis.
• Good communication and report writing skills
• Communication Proficiency in Local Language (Speaking, Reading and Writing), Ability to speak and read Hindi would be preferred.