Credit Officer-Housing

Ujjivan Small Finance Bank; Bali; On-site; INR 350,000 - 750,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Credit Officer-Housing at the Branch Office. You will underwrite home loan cases, monitor the branch mortgage portfolio, and ensure adherence to processes, policies, and RBI-KYC requirements to keep risk under control.

With 2–3 years in Credit LAP/Mortgage loans and a commerce degree, you will coordinate with Distribution, meet TAT targets, and prepare financial analyses for loan proposals while maintaining portfolio quality across the region.

Qualifications

• Graduate with commerce background; knowledge of LAP, mortgage, SME loans.
• Experience in credit underwriting and portfolio analysis is beneficial.
• Familiarity with KYC norms and RBI regulations preferred.

Responsibilities

• Underwrite Home loan cases
• Monitor portfolio of Home Loans for the Branch
• Ensure processes and RBI-compliant policies are followed
• Ensure TAT is met for credit activities at the branch
• Coordinate with Distribution/Business for loan origination
• Liaise with vendors for due diligence and property verification

Skills

Credit LAP/Mortgage loans

Portfolio analysis

KYC compliance

MS Office/Outlook

Education

Graduate in Commerce

Tools

MS Office

Job description

JOB TITLE : Credit Officer-Housing

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

SIZE OF THE ROLE

POSITION DESCRIPTION

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.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

• 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

FINANCIAL SIZE

NON-FINANCIAL SIZE

Business

• 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

Customer

• 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.

Internal Process

• 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.

Learning & Performance

• 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

Educational

Qualifications

• Graduate, preferably in commerce and related streams

Experience(Years and Core Experience Type)

• Preferred experience of 2-3 years in Credit LAP/Mortgage Loans/MSME Loans Loan products.

Certifications

• NA

Functional Skills

• 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

Behavioral Skills

• Time management
• Customer relations management
• Achievement/performance oriented
• Possesses good interpersonal skills
• Willingness to travel & relocation as per business requirements and career opportunities

Competencies

• KEY INTERACTIONS

INTERNAL

EXTERNAL

• Relationship Officers
• Loan Officers
• Legal & Valuable Agencies
• Customers

Note: Please do not add immediate supervisors/reportees to the list of internal interface

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