Credit Underwriter - Secured Loans / LAP

Navadhan Capitali; Mumbai Suburban; Sur place; INR 335 000 - 446 000; Plein temps

Résumé du poste

Navadhan Capitali is seeking a detail-oriented Credit Underwriter for our Secured Loans team. You will assess LAP proposals by evaluating financial documents, legal and technical reports, CERSAI history, and repayment track records to support sound credit decisions.

The role involves technical/ legal document analysis, CERSAI verification, and credit appraisal using bureau reports, bank statements and ITRs. A strong focus on RBI guidelines and risk controls is essential.

Qualifications

• Strong understanding of legal reports, title search documents, technical valuation norms and CERSAI portals.
• Proficiency in bank statement analysis, financial ratios and income computation for salaried and self-employed profiles.
• Familiarity with RBI guidelines, internal credit risk policies and collateral risk management.
• Good communication, analytical thinking, attention to detail and problem-solving ability.

Responsabilités

• Scrutinise property title documents, chain deeds, Agreements to Sell (ATS), parent documents and municipal approvals.
• Review and interpret Legal Search Reports (LSR) from empanelled advocates to ensure clean and marketable property titles.
• Analyse Technical Valuation Reports to evaluate property condition, marketability, completion stage and LTV limits.
• Conduct online CERSAI searches (asset-based and borrower-based) to verify existing charges and prevent double financing.
• Assess borrower creditworthiness using bureau reports (CIBIL/Experian), bank statements and ITRs/financial statements.
• Verify the track record of existing loans and repayment behaviour across all active liabilities.

Connaissances

Technical knowledge

Credit analysis

Policy compliance

Soft skills

Description du poste

Job Summary

We are looking for a detail-oriented and analytical Credit Underwriter to join our Secured Loans team. You will assess and underwrite Loan Against Property (LAP) proposals by evaluating financial documents, analysing legal and technical reports, checking CERSAI history and verifying repayment track records, ensuring sound credit decisions in line with company policy.

Key Responsibilities

Technical and Legal Document Analysis

• Scrutinise property title documents, chain deeds, Agreements to Sell (ATS), parent documents and municipal approvals.
• Review and interpret Legal Search Reports (LSR) from empanelled advocates to ensure clean and marketable property titles.
• Analyse Technical Valuation Reports to evaluate property condition, marketability, completion stage and Loan-to-Value (LTV) limits.

CERSAI and Compliance Verification

• Conduct online CERSAI searches (asset-based and borrower-based) to verify existing charges and prevent double financing.
• Ensure timely CERSAI charge creation and compliance after disbursement.

Financial and Credit Appraisal

• Assess borrower creditworthiness using bureau reports (CIBIL/Experian), bank statements and ITRs/financial statements.
• Evaluate repayment capacity, cash flows and Debt-to-Income (DTI) / FOIR ratios to determine loan eligibility.
• Verify the track record of existing loans and repayment behaviour across all active liabilities.

Field and Personal Discussion (PD)

• Conduct Personal Discussions (PD) with applicants at their business premises or residences when required.
• Coordinate with Legal, Technical and Field Investigation (FI) vendors for quick report clearance.

Required Skills and Competencies

• Technical knowledge: Strong understanding of legal reports, title search documents, technical valuation norms and CERSAI portals.
• Credit analysis: Proficiency in bank statement analysis, financial ratios and income computation for salaried and self-employed profiles.
• Policy compliance: Familiarity with RBI guidelines, internal credit risk policies and collateral risk management.
• Soft skills: Good communication, analytical thinking, attention to detail and problem-solving ability.

What We Offer

• A competitive fixed salary of 30,000 40,000 per month, positioned according to your experience and depth of technical knowledge.
• Hands-on exposure to end-to-end secured lending, from legal and technical scrutiny to credit decisioning.
• A focused, professional work environment within a growing Secured Loans team.