Credit Officer-Housing- Tamil Nadu & Kerala
Ujjivan Small Finance Bank
- POSITION DESCRIPTION
GRADE : DM-II
DEPARTMENT : Credit
LOCATION : Branch Office
SUB-DEPARTMENT : Credit - Housing
TYPE OF POSITION : Full-time
REPORTS TO : Cluster Credit Manager
REPORTING INTO
N/A
- ROLE PURPOSE & OBJECTIVE
- Underwriting of Home loans cases
- Monitoring of Portfolio of Home Loan for the Branch.
- Ensuring Process and Policies are adhered to.
- Ensuring TAT is met for all activities related to credit for the branch.
- CO-ordinate with Distribution/Business.
- SIZE OF THE ROLE
NON-FINANCIAL SIZE
- Handling portfolio from 0.1 Cr to 50 Cr
- Supervising the monthly disbursement of 1-60 files from the assigned area
- Efficient TAT management by credit team
- KEY DUTIES & RESPONSIBILITIES OF THE ROLE
- Carry out detailed business analysis and recommend a proposal to the delegated authority.
- Visit each case within prescribed TAT.
- Prepare CAM and Financial Analysis for the case.
- Visit neighbors, suppliers, customers for the reference checks.
- Visit property and conduct due diligence in identifying the property
- Knowledge of customer segments in various markets of India and their performance histories.
- Knowledge of negative profiles, negative property types and negative property locations
- Knowledge of property valuation process through vendors and knowledge & keen
- interest in monitoring current property price / historical property prices.
- Meet appropriate customers for understanding of their needs
- Conduct underwriting for cases under purview
- Pick up EWS for the set of clients in his area
- Maintain portfolio quality of the Branch/hub/Cluster as per company norms.
- Monitoring and tracking of HL Loan cases.
- Maintain various standard MIS for HL Loan.
- Appropriate Intervention to manage ground level risk effectively.
- Ensure adherence to RBI regulations on documentation and KYC compliance.
- LUC and periodic loan monitoring framework
- Provide Audit Compliance.
- Maintain up to date knowledge of HL and other related products.
- Upgrade self about changes happening in the market.
- Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives
- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Qualifications
- Graduate, preferably in commerce and related streams
- Preferred experience of 2-3 years in Credit LAP/Mortgage Loans/MSME Loans Loan products.
- NA
- Knowledge of Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts
- Business Analysis Skills
- Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet/smartphone)
- KYC norms/guidelines for business loans
- Basic Knowledge of security- hypothecation and mortgage
- Communication Skills - fluent in the local language & can read-write basic English
- Time management
- Customer relations management
- Achievement/performance oriented
- Possesses good interpersonal skills
- Willingness to travel & relocation as per business requirements and career opportunities
- KEY INTERACTIONS
EXTERNAL
- Relationship Officers
- Loan Officers
- Legal & Valuable Agencies
- Customers
PREPARED BY: Credit Housing
DATE: 30 th January 2024
REVIEWED BY: Anand Devata
DATE: 30 th January 2024
LAST UPDATED BY: TM Team
DATE: 21 st February 2024