Responsible for evaluating and underwriting Loan Against Property (LAP) proposals, ensuring credit quality, risk assessment, and adherence to company policies.
Analyze LAP loan proposals (self-employed & salaried cases)
Conduct financial analysis (ITR, bank statements, balance sheet, GST, etc.)
Assess property valuation & legal reports
Evaluate customer repayment capacity & risk
Coordinate with sales, legal, and technical teams
Approve/reject cases within delegated authority
Ensure TAT (Turnaround Time) and quality processing
Maintain portfolio quality and minimize NPAs