Mortgage loans credit officer ESAF bank off role

Company Description

ESAF Small Finance Bank is a socially driven financial institution committed to redefining the banking experience by focusing on underbanked areas while serving customers across regions. Established in 1992 as an NGO, ESAF has a legacy of empowering underprivileged communities through micro-enterprise programs, health projects, education initiatives, and housing support. Transitioning into a financial institution, ESAF received its Small Finance Bank license from the Reserve Bank of India in 2015 and commenced operations in 2017. Today, the bank combines traditional in-person customer services with innovative digital solutions such as Internet Banking, Mobile Banking, and doorstep delivery services. ESAF is recognized as a "Great Place to Work," emphasizing a socially responsible approach to banking.

Role Description

This is a full-time, on-site Mortgage Loans Credit Officer role at ESAF Bank, located in Ernakulam. The role involves evaluating loan applications for mortgage lending, conducting credit assessments, and ensuring proper underwriting practices. The Mortgage Loans Credit Officer will analyze loan documents, verify borrower eligibility, and facilitate a seamless loan approval process. The candidate will work closely with the mortgage lending team, ensuring compliance with banking regulations and maintaining excellent customer service standards.

Qualifications

• Experience and knowledge in Loan Officers, Mortgage Industry, and Mortgage Lending.
• Understanding of underwriting processes and the ability to perform credit risk assessments.
• Detail-oriented with the ability to analyze and evaluate financial documents accurately.
• Sound understanding of banking and mortgage regulatory requirements in India.
• A Bachelor's degree in finance, business, economics, or a related field is preferred.
• Proficiency in local language(s) and English is advantageous.
• Strong organizational and time-management abilities to efficiently handle multiple loan applications.