Credit Officer-Housing

Ujjivan Small Finance Bank; Kotputli; On-site; INR 400,000 - 700,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Credit Officer - Housing at a Branch Office to underwrite Home loan cases and oversee portfolio quality within the branch.

You will ensure adherence to RBI guidelines, meet TAT targets, and coordinate with Distribution teams while performing due diligence and document checks. Prior 2–3 years in LAP/Mortgage loans is preferred, with strong KYC and communication skills.

Qualifications

• Graduate, preferably in commerce and related streams.
• 2–3 years of experience in Credit LAP/Mortgage/ MSME loan products.
• Knowledge of KYC norms/guidelines for business loans.
• Strong analytical skills and ability to assess creditrisk.

Responsibilities

• Underwrite Home loan cases and assess credit risk.
• Monitor portfolio quality and ensure adherence to processes.
• Ensure timely completion of activities and TAT targets for the branch.
• Coordinate with Distribution/Business teams for loan sourcing.
• Conduct due diligence including property verification and reference checks.

Skills

Credit knowledge

LAP/Mortgage

KYC norms

Business analysis

MS Office

Education

Graduate, preferably 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