Job Title: Management Trainee (Management Graduate Fresher- Credit

Appraisal)
Location: Pune, Hyderabad
Job Description:
The candidate who will be placed at one of HDFC offices in the said locations

Profile Credit Appraisal (Salaried)

Duties and Responsibilities
1) Credit Appraisal
Responsible for the credit appraisal and underwriting of employed customers.
Assessment of risk and repayment capacity of the customer to ascertain the credit
worthiness by reviewing and verifing income statements, tax returns and other financial
documents.

2) Loans Processing
3) Interaction and Loan Counseling
4) Relationship Management
Skills
1) Communication Skills
2) Integrity
3) Teamwork
4) Decision Making
5) Time Management and Multitasking
6) Analytical Skills
7)Process Orientation
Recommending the loan application for approval post credit appraisal and personal
discussion in compliance with the lending policies of the organization within defined TAT
Interacting with customers via telephone or email in order to understand the need of the
customer and / or seek clarification on the documents perused to take an informed
decision on the loan proposal
Maintaining relationship with various channel partners and internal departments to
process the loan applications within defined TAT.
Strong command over verbal/written communication and should be a good listener
(Proficiency over regional language will be an added advantage).
To exhibit high level of integrity and business ethics.
Ability to work in a team to achieve the organization's goals.
Ability to choose the best course of action based on data analysis and selecting the
optimal outcome
Ability to multitask, prioritize and ensure the files are processed in a error free manner in
specified TAT.
To analyze financial statements like income statements, tax returns and other financial
documents
Adheres strictly to standard operating procedures.

Minimum Qualifications

 MBA / PGDM in Finance / Marketing Specialisation

 Excellent verbal and written English language skills

Benefits
● Fixed Compensation 5.2 upto 8.2 Lakhs for the selected candidate/s. The same
will be finalized based on the categorization of the Institute by HDFC Ltd

The above role requires high energy levels, integrity, strong process and number
orientation, time management, team working skills and a strong determination to
achieve results