Credit Officer-Housing

Ujjivan Small Finance Bank Ltd.

Patiala District

On-site

INR 350,000 - 550,000

Full time

2 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Credit Officer-Housing to underwrite home loan cases and monitor branch portfolios. You will ensure processes, policies and RBI norms are followed, while coordinating with distribution to achieve timely completions.

The role requires analyzing proposals, preparing financials, and maintaining portfolio quality across the region with due diligence on property checks.

Qualifications

Graduate, preferably in commerce or related streams.
2–3 years of experience in Credit LAP, Mortgage, or MSME loans.
Knowledge of KYC, property valuation, and security basics.

Responsibilities

Underwrite home loans and monitor portfolio quality.
Ensure adherence to processes, policies and RBI guidelines.
Coordinate with distribution and business units to meet TAT.
Prepare CAM and financial analyses for cases.

Skills

Credit knowledge

Business analysis

MS Office

KYC norms

Property/security knowledge

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

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