Repco Home Finance Limited (RHFL) walk-in for Credit Officers
Repco Home Finance Limited (RHFL)
Job Role :
Job Location :
Walk-In Date :
07 Jan 2017
Walk-In Time :
Company Profile:RHFL is a professionally managed housing finance company headquartered in Chennai, Chennai. We were incorporated in April 2000 as a wholly owned subsidiary of the Repatriates Co-operative Finance and Development Bank Limited (Repco Bank Limited, repcobank.com ), a Government of India enterprise, to tap the growth potential in the housing finance market. We are registered as a housing finance company with the NHB.
As on January 2014, RHFL is operating through 82 branches and 26 satellite centres in Chennai, Andhra Pradesh, Kerala, Chennai, Maharashtra, Gujarat,Odisha,West Bengal and Puducherry.
Job Description:Scrutiny of loan applications online and ascertaining eligibility vis-…-vis different loan products of RHFL.
Ascertaining KYC compliance for processing of applications.
Assessment of Borrower?s Income ? Both salaried and self-employed cases.
Analysis of Balance Sheet and other financial statements.
Assessment of value of properties with the help of Guideline Value and Market Value and verification of reports given by Panel valuers in assessment of value of properties.
Verification of legal opinion.
Appraisal and Sanction of Loans in conformity with Credit Policy of the company.
Thorough knowledge on online sanctions under the loan origination system (in house module) and Core Banking Environment.
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.
Eligibility Details:1. Age not exceeding 28 years as on 01-01-2017 (relaxation up to the age of 40 years can be considered based on commensurate, relevant prior experience.).
2. Any Graduation (10+2+3 format) from a UGC recognized university. Post graduation & professional qualification shall be advantageous.
3. Minimum 3 years relevant prior 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.
4. Fluency in English is must. Knowledge of Tamil is also a requirement. Knowledge of spoken Hindi would be an added advantage.
5. Internal candidates can only apply with NOC from the Competent Authority. Acceptance of applications will depend on fulfillment of the eligibility criterion as detailed above.
Qualifications:Any Graduate (necessarily preceded by SSLC (or equivalent) and HSC/ Diploma) with minimum 50% marks from a UGC recognized University. Graduates from Open University will not be considered.
Key Competencies Required:Good analytical ability.
Reasonable quantitative aptitude.
Understanding of financial statements.
Good written and oral communication in English.
Proficiency in MS Word & Excel.
Pay:CTC starting from Rs.7.00 lakhs per annum (fixed + variable).
Experienced candidate could be compensated suitably as per market norms and Management discretion.
Probation period: 1 year.
Venue Details:Repco Home Finance Limited,
3rd Floor, Alexander Square,
No.2, Sardar Patel Road,
Guindy, Chennai - 600032.