Loan Application Analysis
Review loan proposals (personal loans, home loans, auto loans, SME loans, etc.).
Collect and verify customer documents – KYC, income proofs, financial statements, etc.
Credit Risk Assessment
Analyze repayment capacity, credit history, and existing liabilities.
Use credit scoring models and financial ratios to assess risk.
Decision Making
Recommend approval, modification, or rejection of loan applications.
Work closely with credit managers and risk teams.
Compliance & Policy Adherence
Ensure all proposals comply with RBI guidelines and bank’s internal credit policies.
Maintain audit-ready records.
Coordination
Liaise with branch managers, sales teams, and legal/valuation officers for approvals.
Provide feedback on loan structuring, terms, and collateral requirements.
Strong financial & analytical skills.
Knowledge of credit scoring, risk analysis, and regulatory norms.
Detail-oriented, with ability to detect fraudulent documentation.
Good communication (to coordinate with customers & internal teams).
Fixed salary + performance bonuses.
Health insurance, PF, gratuity, paid leave.
Training in credit/risk analysis.
Career growth path into Credit Manager / Senior Credit Manager / Risk Manager roles.
🏢 Company Name: HDFC Bank Ltd. 📘 Company Summary: HDFC Bank is one of India’s largest and most respected private sector banks. Established in 1994, it was among the first to receive approval from the Reserve Bank of India (RBI) to set up a pri... Read More