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Job Title
Credit Appraiser - Self Employed
Business Unit
Retail Credit
Reporting To
RC Double Checker - Self Employed
Job Function and Role Type
Home Loans - Credit, IC
Version No
1.0
Job Purpose
Responsible for quality underwriting of home loans within stipulated timelines, adhering to HL policy and regulatory parameters.
Key Responsibilities
Credit Appraisal
Conduct credit appraisal and underwriting for self-employed customers; Assess risk and repayment capacity by reviewing financial documents; Manage the credit application process from login to sanction; Ensure portfolio quality management.
Loans Processing
Review files post-login within stipulated timelines and address shortfalls; Initiate technical valuations for value-based loans; Recommend loan applications for approval post-appraisal and discussions, ensuring compliance with lending policies.
Relationship Management
Maintain relationships with channel partners to process loan applications within defined TAT; Coordinate with legal, technical, CCV, and risk containment units for file processing.
Interaction and Loan Counseling
Engage with customers via phone or email to understand their needs; Clarify document-related queries to make informed loan decisions.
Training
Provide regular training to CPAs and channel partners on policy and regulatory updates.
Education:
M.Com, MBA Finance, CA, or CA Inter.
Certifications:
None specified.
Key Competencies
Communication skills, integrity, teamwork, analytical skills, time management.
Major Stakeholders
Customers, operations, technical team, legal team, channel partners, builders, verification agencies.
NA
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0 - 5 Years years of relevant experience expected for this role.
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Customer Experience Executive-HNW at HDFC Bank.
This role requires around 0 - 5 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
You can apply directly using the Apply Now button on this page, which will take you to HDFC Bank's application process for this role.