Legal Appraiser - Jaipur

Sundaram Home Finance; Jaipur; On-site; INR 400,000 - 700,000; Full time

Job summary

Sundaram Home Finance Limited is seeking a qualified Legal Associate to manage and scrutinize title documents for property mortgaging. The role focuses on risk assessment, due diligence, and ensuring compliance across states.

You will draft, vet, and advise on all mortgage-related legal documents, maintaining robust MIS and meeting tight TAT. The position requires 2+ years in legal affairs within NBFC/banking, with strong communication and attention to detail.

Qualifications

• Graduate in Law with exposure to NBFC/banking environments preferred.
• Experience in title scrutiny and drafting/ vetting of legal documents.
• Strong verbal and written communication skills in local language and English.

Responsibilities

• Legal process management and MIS.
• Collect, scrutinize and verify property documents to ensure marketability and absence of encumbrances.
• Identify risks to collateral during mortgage creation and advise on due diligence.
• Coordinate with internal systems and external legal opinions for valid security creation.
• Draft and vet equitable and simple mortgages, declarations and undertakings.
• Provide legal advice on title search reports and property for mortgage creation.
• Ensure stamping compliance and adherence to policy; maintain TAT.
• Customize legal documentation for different states and update policy annexures.
• Maintain MIS and records of agreements, compliance and checklists.
• Handle post-disbursement document tracking and retrieval of loan documents.
• Participate in review meetings and communicate pending issues and performance.

Skills

Legal document scrutiny

Verbal & written comms

Detail oriented

Title scrutiny

Drafting & vetting documents

Education

Graduate in Law

Job description

Group Company: Sundaram Home Finance Limited

Office Location:PAN India

Position description:Responsible for collecting, scrutinizing and validating the legal/title documentations related to property mortgaging

Primary Responsibilities:

• Legal Process management and MIS
• Collecting, scrutinizing and verifying property documents are free from litigations, encumbrance and marketable such as Title document, Parent document, Encumbrance certificate etc
• Identifying and highlighting risks associated with the collaterals during property mortgage creation (additional due diligence)
• Coordinating with internal System to understand and develop remedial measures related to property titles for creating valid security and to seek external Legal opinion wherever necessary
• Drafting and vetting of equitable mortgage, simple mortgage, declaration and undertakings relating to the mortgage for security creation etc.
• Providing advice to all business on an acceptance of title search report / property for creation of mortgage
• Compliance of stamping requirements on each of the documents as per legal policy
• Ensuring the process is completed within the agreed TAT
• Customizing the requirements of all different states for legal documentation, institutionalization and make branches aware and follow the same.
• Updating/modification of legal policy annexure/State legal policies on on-going basis.
• Handling compliance requirements including deviations if any
• Maintaining MIS/keep records of all the cases including agreements, legal compliance, checklist etc
• Following up of post disbursement document (OTD & MOTD).
• Ensuring availability of closure / retrieval of loan documents
• Participating in review meetings to discuss about pending issues, performance and any other information needed exchanges periodically

Others

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

Reporting Team

• Reporting Designation:Zonal head – Legal
• Category:Graduate in Law
• Field specialization:Law
• Degree:Graduate

Required work experience:

• Years of experience:2+ years of experience in managing legal affairs preferably with NBFC/Banking industry

Key Performance Indicators:

• Legal Title/ documentation scrutiny
• Agreement documentation drafting and validating
• Maintaining the TAT
• Capturing the details in the system

Required Skills:

• Experience in the home loan industry preferably
• Experience in Title scrutiny/ Legal opinion & acquaintance of Registration procedures
• Experience in drafting and vetting of legal documents including agreements
• Proficiency in verbal and written communication including local language
• Detail orientation to understand, review and highlight possible challenges in documents
• Demonstration of high degree of perseverance and resilience enabling to trace/ track possible old documents