Executive - Credit

Sundaram Home Finance; Chennai; On-site; INR 550,000 - 750,000; Full time

Job summary

Sundaram Home Finance Limited is seeking a Branch Credit Officer to manage underwriting and loan processing. You will appraise loan proposals, verify documents, and ensure compliance with NHB and internal policies. The role involves coordination with sales, operations, and support teams to achieve timely disbursement.

The candidate should have 2+ years of underwriting experience in home loan products, with strong analytical and communication skills. Local language proficiency is valued.

Qualifications

• 2+ years of underwriting experience in home loan/ construction finance.
• Graduate with MBA or CA preferred.
• Strong analytical and communication skills required.

Responsibilities

• Credit process management and loan underwriting within policy.
• Scrutinize documents for eligibility and accuracy.
• Prepare credit appraisals and recommend approvals.
• Coordinate with sales, operations, and legal teams.
• Monitor TAT and ensure timely sanction letters.
• Handle audit queries and ensure regulatory compliance.

Skills

Underwriting

Credit assessment

Analytical skills

Communication skills

Excel

Credit policy understanding

Education

Graduate, MBA/CA preferred

Tools

Excel

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:

Credit process management

• 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

Key Performance Indicators:

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

16/10/2026

Department

Credit