01Overview
- Analyze home loan applications under Affordable Housing Finance segment
- Assess borrower profiles including salaried, self-employed, and informal income customers
- Conduct detailed credit appraisal including income estimation, FOIR, and repayment capacity
- Evaluate property documents and ensure legal & technical compliance
- Verify KYC, banking, and financial documents for authenticity
- Perform field investigation (FI) and residence/business verification when required
- Prepare credit appraisal notes and recommend approvals based on risk assessment
- Ensure adherence to internal credit policies, NHB/RBI guidelines, and compliance norms
- Coordinate with sales, legal, technical, and operations teams for smooth loan processing
- Monitor loan portfolio quality and identify early warning signals
- Maintain proper documentation and audit trails .
