Branch Credit Manager

IHFL; Ajmer, Jodhpur; On-site; INR 800,000 - 1,200,000; Full time

Job summary

IHFL in India is seeking a Mortgage Credit professional with 4–8 years of experience to manage end-to-end credit processing for Home Loans, LAP, and Mortgage products. You will verify KYC, income, banking and property documents and assess repayment capacity and creditworthiness.

You will coordinate with sales, credit, operations and external agencies, ensure policy and regulatory compliance, identify risks, and support case progression from login to sanction and disbursement.

Qualifications

• 4–8 years of experience in Mortgage Credit.

Responsibilities

• Handle end-to-end credit processing for Home Loans, 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.
• Coordinate with credit managers/underwriters for case assessment, queries, approvals, and sanction processing.
• Track cases from login to sanction and disbursement, ensuring timely resolution of pending requirements.

Skills

Mortgage Credit

Job description

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.
• Coordinate with credit managers/underwriters for case assessment, queries, approvals, and sanction processing.
• Track cases from login to sanction and disbursement, ensuring timely resolution of pending requirements.otes, login sheets, deviation details, and case-related MIS/reports.

Preferred candidate profile

• Min 4-8 years of experience in Mortgage Credit