Wonder Home Finance

1 week ago


Prayagraj, India Wonder Home Finance Ltd. Full time

Location: PrayagrajKey Responsibilities:- Evaluate and assess loan applications to determine customer creditworthiness and repayment ability.- Analyze financial documents, income proofs, credit bureau reports, and property papers to make accurate lending decisions.- Approve or recommend loan applications in accordance with credit policies, risk frameworks, and regulatory guidelines.- Monitor Post-Disbursement Documents (PDDs) to ensure timely submission and compliance.- Collaborate with sales, operations, and legal teams to ensure smooth loan processing and disbursal.- Identify potential risks or red flags and escalate cases to senior management as necessary.- Ensure adherence to internal credit procedures and external statutory requirements.- Provide guidance and training to branch staff on credit processes and compliance requirements.- Maintain confidentiality, accuracy, and integrity in all credit-related dealings.Required Skills:- Strong understanding of credit appraisal, underwriting processes, and risk assessment.- Proficiency in analyzing financial statements and property documentation.- Excellent decision-making and problem-solving skills under deadlines.- Good knowledge of housing finance, mortgage products, and regulatory compliance.- Strong communication, negotiation, and interpersonal skills.- Proficiency in MS Office tools, credit scoring systems, and CRM software.- High ethical standards and attention to Bachelors degree in Finance, Commerce, Accounting, Economics, or a related field.- MBA/PGDM in Finance or professional certifications in credit/risk management will be an added Minimum of 35 years of experience in credit appraisal, underwriting, or risk management, preferably within banking, housing finance, or NBFC sectors.- Experience in home loan or mortgage credit evaluation is highly desirable. (ref:iimjobs.com)


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