CREDIT APPRAISER-SELF EMP

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.