Credit Officer-Housing

Ujjivan Small Finance Bank; Mathura, Aligarh, Khandwa; On-site; INR 450,000 - 650,000; Full time

Job summary

Ujjivan Small Finance Bank invites applications for a Credit Officer - Housing at branch level. You will underwrite home loans, monitor the branch's housing loan portfolio, ensure policy adherence and maintain TAT while coordinating with distribution teams.

The role requires 2–3 years in credit products, a commerce-related degree, and the ability to perform due diligence, prepare CAM and financial analyses, and conduct property visits and reference checks to protect portfolio quality.

Qualifications

• Graduate, preferably in commerce and related streams.

Responsibilities

• Carry out detailed business analysis and propose cases to the delegated authority.
• Visit each case within prescribed TAT and prepare CAM/financial analysis.
• Conduct reference checks through visits to neighbors, suppliers and customers.
• Visit property and perform due diligence for property identification.
• Maintain portfolio quality and monitor HL loan cases as per norms.
• Prepare MIS for HL loans and ensure RBI KYC compliance.

Skills

Credit analysis

Portfolio monitoring

Due diligence

Education

Graduate, commerce or related streams

Job description

Job Details

• 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

Job Summary

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.

Responsibilities

Business

• Carryout 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.
• Pickup 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.
• Update self about changes happening in the market.
• Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives.

Size 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

Minimum Requirements of Knowledge and 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

Location

• Aligarh
• Khandwa
• Mathura
• Agra
• Kaushambi
• Ghaziabad
• Jodhpur