01Key Responsibilities
- Assess credit proposals, borrower profiles, income documents, and repayment capacity.
- Perform credit appraisal and risk analysis for mortgage / housing finance cases.
- Prepare and maintain BRD and PPAC documentation for new business requirements.
- Coordinate with sales, operations, risk, compliance, and technology teams for smooth underwriting processes.
- Ensure adherence to regulatory guidelines, internal policies, and underwriting standards.
- Analyze business processes and recommend process or system improvements.
- Support Loan Origination System (LOS) enhancements and integrations.
- Monitor underwriting quality, operational efficiency, and compliance standards.
- Maintain accurate documentation and communicate updates to stakeholders.
Skills & Competencies:
- Strong analytical and credit assessment skills
- Knowledge of retail lending, mortgage, and housing finance processes
- Understanding of regulatory and compliance requirements
- Expertise in document verification, income assessment, and risk evaluation
- Good communication and stakeholder coordination skills
- Attention to detail and ability to work in a high-volume environment
Education & Experience:
- Graduate/Postgraduate in Finance, Commerce, or related field
- Experience in underwriting or credit appraisal in BFSI/NBFC/Housing Finance preferred tell in laymen language
Team Member - Credit Underwriting (COE) - Simple Explanation
- This role involves checking loan applications and deciding whether a customer is eligible for a home loan or mortgage. The person reviews customer income, documents, repayment ability, and financial background to reduce risk for the company.
- They also work with different teams like sales, operations, compliance, and technology to ensure the loan process runs smoothly and follows company and regulatory rules.
Key work includes:
- Verifying customer documents and income
- Checking creditworthiness and repayment capacity
- Identifying risks before loan approval
- Coordinating with internal teams for smooth processing
- Supporting improvements in loan systems and processes
- Ensuring all work follows company policies and RBI/regulatory guidelines
- The role is suitable for someone with experience in banking, NBFC, housing finance, or loan underwriting who has good analytical and communication skills. .
