Credit Officer - Affordable Housing Finance

Credit Officer Analyze home loan applications under Affordable Housing Finance segment Assess borrower profiles including salaried, self-employed, and informal income customers Conduct detailed credit appraisal including income estimation, FOIR, and repayment capacity Evaluate property documents and ensure legal & technical compliance Verify KYC, banking, and financial documents for authenticity Perform field investigation (FI) and residence/business verification when required Prepare credit appraisal notes and recommend approvals based on risk assessment Ensure adherence to internal credit policies, NHB/RBI guidelines, and compliance norms Coordinate with sales, legal, technical, and operations teams for smooth loan processing Monitor loan portfolio quality and identify early warning signals Maintain proper documentation and audit trails