BCM_Tuticorin-EB(874)

Sundaram Home Finance; Thoothukudi; On-site; INR 500,000 - 800,000; Full time

Job summary

Sundaram Home Finance Limited is hiring a Branch Credit Officer (BCO) to handle underwriting and end-to-end loan processing. The role focuses on evaluating credit worthiness, collecting documents, and ensuring compliance with NHB and internal standards.

The candidate will perform credit appraisals, liaise with sales and operations, and maintain fast turnaround times while upholding quality standards. 2+ years of underwriting experience is preferred.

Qualifications

• Experience in underwriting home loan or construction finance products.
• Ability to assess creditworthiness using financials, liquidity, and leverage.
• Proficient in document scrutiny and adherence to policy.

Responsibilities

• Understand credit policy and product offerings.
• Process loan applications from login to disbursement with required documents.
• Conduct credit appraisal within guidelines and recommend approvals.
• Interact with customers and sales team to obtain and verify information.
• Monitor delinquencies and ensure timely sanction letters.

Skills

Underwriting

Credit analysis

Financial statement analysis

Excel/spreadsheets

Communication skills

Networking/relationship building

Education

MBA/CA

Graduate

Job description

Job Description

Group Company: Sundaram Home Finance Limited

Designation: Branch Credit officer (BCO)

Office Location: PAN India

Position description: Responsible for underwriting and completing the loan processing by conducting appraisal to ascertain the eligibility and credit worthiness

Primary Responsibilities:

• Understanding of credit policy and process thoroughly including the products available
• Completing the loan application process from login to disbursement by collecting all the required documents as well as clarifying requirements with the customer and sales team
• Scrutinizing the documents shared by the customer to check the eligibility and for accuracy/genuineness of the documents to consider the application for loan eligibility
• Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
• Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training.
• Conduct personal discussion with customers to establish Credit worthiness.
• Use performance history along with financial analysis, liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation.
• Interact with Customers & understand the business and regularly monitor delinquencies.
• Decision making within defined TAT
• Understanding of property/collateral related knowledge (like legal title and market value of the property)
• Credit underwriting on the customer to make sure that customer fits into various lending parameters.
• Identifying strengths and risks for any proposal and prepare a SWOT analysis around it.
• Regularly interacting with the FI agency, Legal, Technical team, RCU team for timely reports.
• Coordinating with Operations team for disbursement
• Ensuring maintenance of TAT for the application for processing and delivering sanction letters
• Preparing, managing and providing information/queries on application status pertaining to WIP / sanction files.
• Handling audit queries and providing clarifications
• Ensuring zero tolerance to non-compliances by adhering to organizational procedures as well as NHB and other regulatory authorities
• Completing the loan application process from login to disbursement by collecting all the required documents as well as clarifying requirements with the customer and sales team
• Developing notes for management reviews and recommendation as deemed necessary

Others

• Any other tasks which will be required to be performed from time to time as per the instructions

Reporting Team

• Reporting Designation: Zonal Credit Manager
• Category: Graduate, MBA/CA preferred
• Field specialization: MBA/CA

Required work experience:

• Years of experience: 2+ years of experience in underwriting home loan/non home loan/construction finance products/related companies

Required Skills:

• Sound understanding of home loan products in the industry
• Market understanding including products/policies of competitors
• Proficient in underwriting
• Excellent analytical skills including understanding/interpreting financials
• Excellent communication skills (oral and written) with a reasonable proficiency in the local language
• Proven ability to develop and manage networking/relationship internally and externally
• Working experience in using excel/spreadsheets

Job Snapshot

Updated Date

22/10/2026

Department

Credit

Location