Job Description

Key Responsibilities: Conduct hind sighting file reviews for all financially approved cases based on allocation. Complete file reviews within the specified turnaround time (TAT). Review loan applications, KYCs, product fitment, business and vintage proofs, income proof, legal reports, documents, and property valuations. Assess the creditworthiness of borrowers through credit appraisal (CAM). Perform cash flow analysis to determine customer income and evaluate CIBIL obligations (Derogs). Derive loan eligibility based on income and obligations. Apply LTV (Loan-to-Value) and DSR (Debt Service Ratio) norms. Check deviation matrix as per policy. Verify documents sampled for pre-disbursement files. Highlight serious process and policy violations related to credit, customer business, collateral, TRC, and neighbor checks. Assess ownership of the business, years in business (YIB), and collateral condition. Escalate observations to the line manager for resolution or obtain proper deviations. Ensure timely closure of all open observations and follow up on query resolutions. Review the hind sighting template quarterly and suggest improvements. Ensure compliance with company policy and process requirements. Exhibit strong communication and email writing skills. Qualifications: Proven experience in credit appraisal and file review. Strong analytical and problem-solving skills. Excellent attention to detail and accuracy. Good knowledge of LTV and DSR norms. Ability to assess business ownership, years in business, and collateral condition. Proficient in cash flow analysis and understanding CIBIL obligations. Strong communication and email writing skills. Ability to work independently and as part of a team.