Loan Disbursement Process - Full Time

Key Responsibilities

Loan Disbursement Management

Process loan disbursement cases as per approved sanction terms and conditions.

Verify completeness of loan documentation before disbursement.

Ensure compliance with sanction conditions, deviations, and approval matrix.

Execute single and tranche disbursements for under-construction and ready properties.

Review customer contribution and margin money compliance prior to disbursement.

Documentation & Compliance

Verify KYC, income, legal, technical, and property-related documents.

Ensure execution of loan agreements, demand promissory notes, ECS/NACH mandates, and other statutory documents.

Validate all pre-disbursement conditions (PDCs) stipulated by Credit and Risk teams.

Ensure adherence to NHB, RBI, Audit, and internal compliance guidelines.

System Operations

Process loan booking and disbursement in LOS/LMS/Core Lending Systems.

Maintain accurate customer and loan records.

Upload and verify documentation in digital repositories.

Coordinate with Sales, Credit, Legal, Technical, and Finance teams for seamless processing.

Risk & Quality Control

Conduct maker-checker validations as per process guidelines.

Identify discrepancies and escalate exceptions before disbursement.

Ensure fraud prevention controls and compliance checks are completed.

Support internal and external audits by providing required records and reports.

Vendor & Stakeholder Coordination

Coordinate with builders, channel partners, customers, legal agencies, and technical vendors for disbursement readiness.

Resolve disbursement-related queries and exceptions within defined TATs.

Monitor pending disbursement cases and follow up for document deficiencies.

MIS & Reporting

Prepare daily, weekly, and monthly disbursement MIS reports.

Track disbursement pipeline and productivity metrics.

Support management reviews with process and performance reports.

Key Performance Indicators (KPIs)

Disbursement TAT adherence.

Disbursement accuracy (% error-free transactions).

Audit and compliance scores.

Portfolio quality from documentation perspective.

Exception handling and closure timelines.

Customer and stakeholder satisfaction.

Eligibility Criteria

Education

Graduate in Commerce, Finance, Business Administration, Banking, or related discipline.

MBA/PGDM preferred.

Experience

Having experience in Loan Operations, Credit Operations, or Disbursement functions within HFC, NBFC, or Banking sectors.

Experience in Home Loans, LAP, Mortgage Loans, or Retail Assets preferred.

Required Skills

Technical Skills

Knowledge of Home Loan and Mortgage Disbursement processes.

Understanding of legal, technical, and credit documentation.

Familiarity with LOS, LMS, and banking systems.

Strong knowledge of compliance and operational controls.

Behavioural Skills

Attention to detail.

Analytical and problem-solving skills.

Stakeholder management.

Process orientation.

Communication and coordination skills.

Ability to work under strict TAT-driven environments.

Preferred Experience

Experience in centralized disbursement operations.

Exposure to digital disbursement journeys and workflow automation.

Knowledge of NHB and RBI operational guidelines applicable to Housing Finance Companies.

Experience handling high-volume retail loan disbursements.

• Experience

  1 - 2 Years

• No. of Openings

  25

• Education

  Graduate (B.B.A, B.Com)

• Role

  Loan Disbursement Officer

• Industry Type

  Call Centre / BPO / ITES / LPO

• Gender

  Male

• Age Limit

  20 - 30 Yrs.

• Job Country

  India

• Type of Job

  Full Time (Night Shift)

• Work Location Type

  Work from Office

• Face Interview Location

  Hanaeni space Fibitech solutions pvt ltd, 4th floor,401 suit,D184, Noida sector 63