Credit Processing Associate

Role & responsibilities

• Handle end-to-end credit processing for Home Loans, Loan Against Property (LAP), and Mortgage products.
• Verify customer KYC, Income, Banking, financials, property, and other loan-related documents.
• Conduct preliminary assessment of customer creditworthiness, repayment capacity, income stability, and existing obligations.
• Analyze salary slips, Form 16, ITRs, bank statements, GST returns, financial statements, and business documents as applicable.
• Review bureau/CIBIL reports, repayment history, existing liabilities, and credit behaviour.
• Coordinate with sales, credit, operations, legal, technical and external agencies for smooth processing.
• Ensure compliance with credit policy, eligibility norms, documentation requirements, and regulatory guidelines.
• Identify discrepancies, gaps, or potential risks in applications and obtain necessary clarifications/documents.
• Prepare and maintain credit notes, login sheets, deviation details, and case-related MIS/reports.

Preferred candidate profile

• Min 1-5 years of experience in Mortgage Credit