Functions / Responsibilities

Company Information :-

Micro Housing Finance Corporation (MHFC) was incorporated in May, 2008 with a vision to bridge the gap between affordable finance and formal housing for the financially excluded members of our society. Our target customers constitute people from the informal sector and low income households.  

MHFC is a highly technology driven HFC (Housing Finance Corporation) that has sanctioned home loans for more than 20,000 customers, with loans outstanding worth Rs. 500 Cr. These figures are a testament to MHFC’s growing customer base, acceptance in the indian housing finance arena, and business model sustainability.

In 2018, MHFC merged with the Aditya Birla Group, and became a Svatantra Holdings Company. With this change MHFC is poised to transcend geographical boundaries, leverage on an increased customer base and grow aggressively in rural & urban India.

MHFC is rapidly growing, and we would love innovative, dynamic, decisive and like minded social entrepreneurs to join us in this fulfilling journey, and make the world a better place, one home at a time!

Available Job Profiles - 

      a) Loan Analysts: 

• This is a field based role that involves leveraging financial, analytical and appraisal skills to assess customer’s ability and intention to service a home loan. 

• Networking, developing and maintaining relationships with affordable housing developers and customers. 

• Staying abreast with the market trends, identifying new business opportunities and presenting reports about the same. 

• Using the in-house digital platform to forward loan application for further processing by the credit department. 

      b) Verification Analysts

• This is a field based role that involves authenticating, validating and corroborating applicant’s information collected by the loan analyst. 

• This profile involves estimating current and future cash inflows and outflows of the applicants, and evaluating whether it will be sustainable during the loan tenor. 

• Confer with underwriters to aid in resolving application problems.

      c) Credit Analysts 

• This role involves applying analytical and financial skills to appraise the loan applications, underwriting and taking a loan approval or non-approval decision. 

• Coordinating with various departments like IT, Legal, Projects etc. in order to ensure smooth processing of the application and post sanction procedures. 

• Evaluating and appraising a number of documents like technical reports, customer credit information reports, income documents etc.

• Sensitively assess credit worthiness and household requirements of customers.

• Ensuring all financial ratios conform to the company policies and analyzing as well as evaluating the associated credit risk. 

       d) Post Sanction Analysts

• This role involves educating and counselling the customer with regard to the loan terms and technicalities. 

• Concluding documentation and facilitating timely disbursements to housing developers.

• Supervising and administering DMS (Document Management Systems). 

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CONTACT DETAILS : eeti.patel@mhfcindia.com

http://www.mhfcindia.com/

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