Job Description: Officer and Senior Officer Roles at Cent Financial institution Residence Finance Restricted (CBHFL) – Recruitment 2025
Group Overview
Cent Financial institution Residence Finance Restricted (CBHFL), a subsidiary of Central Financial institution of India, is a deposit-taking housing finance and mortgage firm co-promoted by Nationwide Housing Financial institution, Specified Endeavor of Unit Belief of India, and HUDCO. With a community of branches throughout India and a company workplace in Mumbai, CBHFL gives dwelling loans, building loans, and associated monetary companies, fostering progress within the housing finance sector.
Job Posting: Officer and Senior Officer Positions
Location: Numerous branches throughout India (e.g., Mumbai, Bhopal, Delhi, Kolkata, Bengaluru, Hyderabad, and so forth.) and Company Workplace, Mumbai
Employment Kind: Full-Time, Everlasting
Utility Interval: April 4, 2025 – April 25, 2025
Whole Vacancies: 212 (Officer, Senior Officer, Supervisor, and different roles)
CBHFL invitations purposes for Officer and Senior Officer positions as a part of its 2025 recruitment drive, providing dynamic profession alternatives for motivated professionals within the housing finance trade.
Roles and Obligations
Officer
- Mortgage Processing: Consider dwelling mortgage purposes, confirm documentation, and guarantee compliance with CBHFL and regulatory pointers (e.g., Nationwide Housing Financial institution norms).
- Buyer Service: Help purchasers with mortgage inquiries, present product info, and information them by means of software processes to boost buyer satisfaction.
- Gross sales Help: Promote CBHFL’s mortgage merchandise (e.g., dwelling buy, renovation, plot loans) to satisfy department targets, collaborating with gross sales groups.
- Credit score Evaluation: Conduct preliminary credit score checks, assess compensation capability, and put together mortgage sanction experiences for approval.
- Operational Duties: Keep correct data, replace buyer databases, and help department operations, together with disbursals and collections.
- Compliance: Adhere to KYC, anti-money laundering, and inside audit requirements to make sure operational integrity.
Senior Officer
- Workforce Oversight: Supervise junior officers, monitor mortgage processing workflows, and guarantee well timed execution of branch-level duties.
- Credit score Evaluation: Carry out in-depth credit score value determinations, analyze monetary statements, and suggest mortgage approvals or rejections to senior administration.
- Enterprise Growth: Determine new market alternatives, construct relationships with actual property builders, and drive mortgage portfolio progress.
- Danger Administration: Mitigate credit score and operational dangers by implementing CBHFL’s threat insurance policies and flagging potential points early.
- Coaching: Mentor new hires, conduct product coaching periods, and foster a tradition of compliance and efficiency.
- Reporting: Put together department efficiency experiences, observe key metrics (e.g., mortgage disbursals, NPA ranges), and current findings to regional managers.
{Qualifications} and Abilities
Officer
- Training: Bachelor’s diploma in any self-discipline from a acknowledged college with a minimal of 60% marks (55% for SC/ST/OBC/PwBD candidates).
- Expertise: Minimal 1 yr of related work expertise in banking, housing finance, or monetary companies most popular however not obligatory for recent graduates.
- Abilities:
- Primary laptop proficiency (MS Workplace, banking software program).
- Robust communication and interpersonal abilities.
- Analytical mindset for credit score analysis.
- Potential to work below stress to satisfy deadlines.
Senior Officer
- Training: Bachelor’s diploma in any self-discipline with a minimal of 60% marks (55% for SC/ST/OBC/PwBD candidates). Further {qualifications} like MBA (Finance/Advertising and marketing) or CA Inter are a plus.
- Expertise: Minimal 2-3 years of expertise in housing finance, banking, or associated fields, with publicity to credit score appraisal or gross sales.
- Abilities:
- Superior laptop abilities, together with mortgage administration methods.
- Management and group administration talents.
- Robust negotiation and shopper relationship abilities.
- Data of regulatory frameworks (e.g., RBI, NHB pointers).
- Proficiency in threat evaluation and monetary evaluation.
Wage and Advantages
- Officer: Beginning CTC roughly ₹3.6–4.8 lakh each year, relying on location and expertise.
- Senior Officer: Beginning CTC roughly ₹5–7 lakh each year, primarily based on position and {qualifications}.
- Further Advantages:
- Medical and life insurance coverage protection.
- Efficiency-based incentives.
- Workers housing loans at concessional charges.
- Depart encashment and retirement advantages (e.g., NPS, gratuity) as per firm coverage.
- Skilled improvement by means of coaching applications.
Eligibility Standards
- Age Restrict:
- Officer: 21–30 years as of March 31, 2025 (born between April 1, 1995, and April 1, 2004).
- Senior Officer: 25–35 years as of March 31, 2025 (born between April 1, 1990, and April 1, 2000).
- Age leisure for SC/ST (5 years), OBC (3 years), PwBD (10 years), and different classes as per authorities norms.
- Nationality: Indian residents solely.
- Different Necessities: Legitimate instructional certificates, ID proof, and no lively disciplinary proceedings.
Choice Course of
- Utility Screening: Functions reviewed for eligibility primarily based on schooling, expertise, and age.
- Private Interview: Shortlisted candidates face an in-person or digital interview assessing technical data, communication, and match for the position.
- Doc Verification: Authentic paperwork (levels, ID, expertise letters) verified post-interview.
- Background Test & Medical Examination: Last choice topic to wash background and medical health.
- Word: CBHFL reserves the best to change the choice course of or reject purposes with out assigning causes.
How you can Apply
- Go to the official CBHFL web site: www.cbhfl.com.
- Navigate to the “Careers” or “Recruitment” part.
- Choose “CBHFL Recruitment 2025” and click on “Apply On-line.”
- Full the registration kind with private, instructional, and expertise particulars.
- Add required paperwork (resume, photograph, diploma certificates, ID proof).
- Pay the appliance price:
- Common/OBC/EWS: ₹500 + GST
- SC/ST/PwBD: ₹200 + GST
- Fee modes: Debit/Credit score Card, Internet Banking, UPI, Cell Wallets
- Submit the appliance by April 25, 2025, and obtain the affirmation receipt.
- Necessary: Candidates might apply for just one publish and one location. A number of purposes result in cancellation.
Key Dates
- Notification Launch: April 4, 2025
- Utility Begin Date: April 4, 2025
- Utility Deadline: April 25, 2025
- Interview Schedule: To be introduced (tentatively Might 2025)
- Last Choice: Anticipated by June 2025
Why Be a part of CBHFL?
CBHFL gives a secure profession in India’s rising housing finance sector, with alternatives to work alongside trade leaders, develop experience in finance, and contribute to reasonably priced housing initiatives. Workers take pleasure in aggressive pay, strong advantages, and a supportive work surroundings fostering progress and innovation.
Contact Info
For queries, consult with the official notification on www.cbhfl.com or contact CBHFL’s HR division by way of the web site’s “Contact Us” part. Common updates will probably be posted on the Careers web page.
Word: CBHFL doesn’t cost recruitment charges or authorize third-party brokers. Watch out for fraudulent job gives.
Disclaimer: This job description relies on the CBHFL Recruitment 2025 notification for 212 vacancies, tailored to deal with Officer and Senior Officer roles. Candidates should confirm particulars within the official notification earlier than making use of.
