Credit Home Loan Officer

Dhariwal Securities; Mumbai Suburban; Sur place; INR 400 000 - 700 000; Plein temps

Résumé du poste

Dhariwal Securities Pvt. Ltd. in Mumbai seeks an experienced Home Loan Credit Officer to independently manage the full home loan processing cycle, from document verification to sanction and disbursement.

You will verify KYC, income proofs, and financial documents, assess eligibility and FOIR/LTV, review property papers, and coordinate with banks, legal teams, and customers to close loans efficiently.

Qualifications

• 2-3 years of home loan credit, loan processing, mortgage operations or similar experience.
• Graduate in Finance, Commerce, Banking or related field.
• Experience in banks, NBFCs, housing finance companies or DSA operations preferred.

Responsabilités

• Manage home loan files from login to final disbursement.
• Verify KYC, salary slips, bank statements, ITRs, income proofs and financial documents.
• Assess customer eligibility, repayment capacity, FOIR, LTV, credit bureau reports and existing liabilities.
• Review property title documents, sale agreements, title chains and registration documents.
• Coordinate with advocates and bank legal teams for legal verification and clearance.
• Coordinate property inspections, technical valuations and valuation reports.
• Verify property approvals, sanctioned plans, occupancy/completion certificates and RERA details.
• Coordinate with banks and NBFCs for loan applications, credit queries, approvals, sanction letters and disbursement.
• Handle salaried and self-employed home loan cases, resale properties, under-construction properties, balance transfers and top-up loans.
• Identify documentation gaps and resolve credit, legal and technical queries.
• Coordinate with customers, builders, sales teams, relationship managers and internal departments.
• Maintain accurate loan records and provide regular status updates.

Connaissances

Home Loan Processing

Credit Assessment

KYC Verification

FOIR & LTV Analysis

Loan Documentation

Bank/NBFC Coordination

MS Excel

Communication & Problem Solving

Formation

Graduate in Finance/Commerce/Banking

Outils

MS Excel

Loan Processing Systems

Description du poste

Job Title: Home Loan Credit Officer

Company: Dhariwal Securities Pvt. Ltd.

Location: Borivali East, Mumbai

Experience: 2-3 Years

Employment Type: Full-time, Work from Office

Salary: As per interview and experience

Job Summary

We are looking for an experienced Home Loan Credit Officer to independently manage the complete home loan processing cycle, from document verification and financial assessment to legal checks, technical valuation, sanction, and disbursement.

Key Responsibilities

• Manage home loan files from login to final disbursement.
• Verify KYC, salary slips, bank statements, ITRs, income proofs, and financial documents.
• Assess customer eligibility, repayment capacity, FOIR, LTV, credit bureau reports, and existing liabilities.
• Review property title documents, sale agreements, title chains, and registration documents.
• Coordinate with advocates and bank legal teams for legal verification and clearance.
• Coordinate property inspections, technical valuations, and valuation reports.
• Verify applicable property approvals, sanctioned plans, occupancy/completion certificates, and RERA details.
• Coordinate with banks and NBFCs for loan applications, credit queries, approvals, sanction letters, and disbursement.
• Handle salaried and self-employed home loan cases, resale properties, under-construction properties, balance transfers, and top-up loans.
• Identify documentation gaps and resolve credit, legal, and technical queries.
• Coordinate with customers, builders, sales teams, relationship managers, and internal departments.
• Maintain accurate loan records and provide regular status updates.

Required Skills

• Home Loan Processing and Credit Assessment
• Loan Documentation and KYC Verification
• Banking Credit Policies
• Property Legal Verification
• Technical Valuation Coordination
• FOIR, LTV, and Credit Bureau Analysis
• Bank and NBFC Coordination
• MS Excel and Loan Processing Systems
• Communication, Analytical, and Problem-Solving Skills

Education and Experience

• Graduate in Finance, Commerce, Banking, or a related field preferred.
• 2-3 years of relevant experience in home loan credit, loan processing, mortgage operations, or similar work.
• Candidates with experience in banks, NBFCs, housing finance companies, or DSA operations will be preferred.

Ideal Candidate

Someone capable of independently managing home loan files and coordinating financial, legal, and technical checks through sanction and disbursement.