Credit Officer - Housing

Ujjivan Small Finance Bank; Ramanathapuram, Coimbatore, Nagar; On-site; INR 550,000 - 750,000; Full time

Job summary

Ujjivan Small Finance Bank is hiring a Credit Officer - Housing for our Branch Office. The role focuses on underwriting Home loan cases, monitoring the branch's Home Loan portfolio, and ensuring compliance with RBI regulations and KYC norms.

The candidate should have 2-3 years of experience in Credit LAP/Mortgage/MSME loans and a graduate degree (commerce preferred). You will coordinate with Distribution/Business teams and ensure timely execution of credit processes.

Qualifications

• Graduate, preferably in commerce or related streams.
• 2-3 years of experience in Credit LAP, Mortgage Loans, or MSME Loans.
• Knowledge of RBI regulations, KYC compliance and credit documentation.
• Experience in home loan credit processes and portfolio monitoring.

Responsibilities

• Underwriting of Home loans cases.
• Monitoring of Portfolio of Home Loan for the Branch.
• Ensuring processes and policies are adhered to.
• Ensuring TAT is met for all activities related to credit for the branch.
• Coordinate with Distribution/Business.

Skills

Credit analysis

Underwriting

Portfolio monitoring

KYC compliance

Regulatory knowledge

Education

Graduate (commerce)

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

Role Size

• Handlingportfolio from 0.1 Cr to 50 Cr
• Supervisingthe monthly disbursement of 1-60 files from the assigned area
• EfficientTAT management by credit team

Responsibilities

• Underwritingof Home loans cases
• Monitoringof Portfolio of Home Loan for the Branch.
• EnsuringProcess and Policies are adhered to.
• EnsuringTAT is met for all activities related to credit for the branch.
• CO-ordinatewith Distribution/Business.

Business

• Carryout detailed business analysis and recommend a proposal to the delegated authority.
• Visiteach case within prescribed TAT.
• PrepareCAM and Financial Analysis for the case.
• Visitneighbors, suppliers, customers for the reference checks.
• Visitproperty and conduct due diligence in identifying the property

Customer

• Knowledgeof customer segments in various markets of India and theirperformance histories.
• Knowledgeof negative profiles, negative property types and negativeproperty locations
• Knowledgeof property valuation process through vendors and knowledge keen
• interestin monitoring current property price / historical propertyprices.
• Meetappropriate customers for understanding of their needs
• Conductunderwriting for cases under purview
• Pickup EWS for the set of clients in his area
• Maintainportfolio quality of the Branch/hub/Cluster as per company norms.
• Monitoringand tracking of HL Loan cases.
• Maintainvarious standard MIS for HL Loan.

Internal Process

• AppropriateIntervention to manage ground level risk effectively.
• Ensureadherence to RBI regulations on documentation and KYC compliance.
• LUCand periodic loan monitoring framework
• ProvideAudit Compliance.

Learning & Performance

• Maintainup to date knowledge of HL and other related products.
• Upgradeself about changes happening in the market.
• Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives

Educational Qualifications

• Graduate,preferably in commerce and related streams

Experience

• Preferredexperience of 2-3 years in Credit LAP/Mortgage Loans/MSME LoansLoan products.

Certifications

• NA

Location -

Ramanathapuram,Coimbatore,Nagar,Chennai,Puducherry,Dharmapuri,Kumbakonam,Salem,Kanchipuram,Krishnagiri,Rajapalayam,Madurai,Tiruvannamalai,Cuddalore,Panruti,Nagercoil,Kallakkurichi