Job openings for Verification Officer in Delhi Ncr

1. Universal Documents (All Applicants & Loan Types)
Proof of Identity (KYC): PAN Card (Mandatory) + any one of: Aadhaar Card, Passport, Voter ID, or Driving License.
Proof of Residence/Address: Aadhaar Card, Passport, recent Utility Bill (Electricity, Water, Piped Gas - not older than 2-3 months), or registered Rent Agreement.
Passport-Size Photographs: 2-3 recent color photos.
2. Income & Financial Proofs
For Salaried Applicants
Salary Slips: Last 3 to 6 months showing basic pay, allowances, and deductions (PF/TDS).
Bank Statements: Last 6 months of the primary salary account (showing salary credits matching pay slips).
Tax Proof: Form 16 (Part A & B) for the last 2 years, or Income Tax Returns (ITR) with computation.
Job Stability Proof: Official Employee ID card, offer letter, or official company email verification.
For Self-Employed Individuals / Business Owners
Tax & Financial Records: Complete ITR with computation of income for the last 2 to 3 financial years.
Audited Financials: Balance sheet and Profit & Loss (P&L) statements audited by a Chartered Accountant (CA).
Banking: Last 6 to 12 months of current account statements (and savings account statements of the proprietor/partners).
Business Legitimacy: GST Registration Certificate, Shop & Establishment License, Certificate of Incorporation (for Pvt Ltd), Partnership Deed (for firms), and MSME/Udyam Registration.
3. Additional Documents for Home Loans (Property Documents)
New / Under-Construction Property (Purchased from Builder)
Allotment Letter or registered Agreement for Sale / Builder-Buyer Agreement.
Payment Receipts: Proof of own contribution / advance token paid to the builder.
NOC & Approvals: Approved building plan, Commencement Certificate (CC), and No Objection Certificate (NOC) from the developer/bank project tie-up.
RERA Registration Number of the project.
Resale Property (Purchased from an Individual)
Title Deed Chain: Registered Sale Deed, conveyance deed, or gift deed tracing ownership history (usually for 13 to 30 years).
Encumbrance Certificate (EC): Typically for the last 13 to 30 years showing no existing legal disputes or undisclosed mortgages.
Tax Receipts: Latest property tax paid receipt.
Society NOC & Share Certificate: In case of an apartment or housing society.
Prior Loan Clearance: Nil Encumbrance or Loan Closure Letter if the seller had an active mortgage on the property.
Tips to Avoid Delays
Name Matching: Ensure names match exactly across PAN, Aadhaar, and bank records. A missing middle name or discrepancy in initials requires an affidavit.
Clear Statement Exports: Always provide official PDF bank statements downloaded directly from net banking rather than low-resolution mobile screenshots or scans.
No Unexplained Cash Flow: Multiple large, unverified cash deposits in the last 6 months can trigger underwriting queries during verification.