Repco Home Finance Ltd jobs

Credit Officers

Eligibility : Any Graduate

Location : Chennai

Last Date : 22 Apr 2017

Qualification: Any Graduation (10+2+3 format) from a UGC recognized university. Post graduation & professional qualification shall be given additional weightage.  Minimum 3 years experience (for age not exceeding 28 years) in credit appraisal in HFCs/ Banks/ FIs in home loan. For age relaxation, commensurate additional experience would be required. Fluency in Tamil / Kannada, as applicable, (read, write & speak) besides English is must. Working knowledge of Hindi will be advantageous.  Early joining will be preferred.

Key Competencies Required: Good analytical ability. Reasonable quantitative aptitude. Understanding of financial statements. Good written and oral communication in English. Teamwork Skill .Time Management.Proficiency in MS Word and Excel

Repco Home Finance Ltd

RECRUITMENT OF CREDIT OFFICERS FOR VARIOUS LOCATIONS IN TN

POST CODE: CREDIT/TN/ SEPT2014

Position: Credit Officers 

Location: Various locations in Tamil Nadu 

Eligibility: 

1. Age not exceeding 28 years as on 01-09-2014 (relaxation can be considered based on commensurate, relevant prior experience)

2. Any Graduation (10+2+3 format) from a UGC recognized university. Graduates from Open University will not be considered. Post graduation & professional qualification/ CAIIB shall be given additional weightage.

3. Minimum 3 years relevant prior experience in HFCs/ Banks/ FIs in retail lending/credit processing.

4. Fluency in Tamil besides English is must. 

5. For internal candidates of Repco Group of institutions, those who are eligible for elevation to this cadre as per the internal promotion policy can only apply and all applications shall be routed through proper channel or with NOC from the Competent Authority. Acceptance of applications will depend on fulfillment of the eligibility criterion as detailed above. 

Job Description: 

CREDIT APPRAISAL

 Scrutiny of loan applications online and ascertaining eligibility vis-à-vis different loan products of RHFL. 

 Ascertaining KYC compliance for processing of applications 

 Assessment of Borrower’s Income – Both employed and Business class.

 Analysis of Balance Sheet and other financial statements. 

 Assessment of value of properties with the help of GV and MV and verification of reports given by Panel valuers in assessment of value of properties. 

 Appraisal and Sanction of Loans in conformity with Credit Policy of the company

 Verification of all the above in the system. In particular about Legal documents and KYC documents.

 Thorough knowledge on online sanctions under the loan origination system (in house module) and Core Banking Environment.

 Sanctioning of loans 

 Capability to communicate with branches in connection with credit proposal related queries in effective manner.

 Ability to take decisions faster.

 To know about the topography of the branches allotted and find out the potential of the areas for improving the business.