Credit Officer-Housing-Jabalpur

Ujjivan Small Finance Bank

Jabalpur

On-site

INR 400,000 - 700,000

Full time

2 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. in Jabalpur is seeking a Credit Officer to monitor the Home Loan portfolio and ensure adherence to processes and policies.

The role involves coordinating with Distribution/Business and ensuring TAT targets for credit activities at the branch. You will conduct due diligence, prepare financial analyses, and perform reference checks across customers, properties, and vendors to support underwriting and loan approvals.

Qualifications

Graduate, preferably in commerce and related streams.
Preferred experience of 2-3 years in Credit LAP/Mortgage Loans/MSME Loans.
Knowledge of KYC norms/guidelines for business loans.
Knowledge of security-hypothecation and mortgage.

Responsibilities

Carry out detailed business analysis and recommend a proposal to the delegated authority.
Visit case within prescribed TAT and conduct due diligence on property.
Prepare CAM and Financial Analysis for the case.
Visit neighbours, suppliers, customers for reference checks.
Monitor HL Loan portfolio and ensure timely disbursal and MTDS adherence.

Skills

Credit knowledge

Property due diligence

MS Office

Outlook

Education

Graduate in commerce

Tools

MS Office

Outlook

Job description

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.

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Handlingportfolio from 0.1 Cr to 50 Cr

Supervisingthe monthly disbursement of 1-60 files from the assigned area

EfficientTAT management by credit team

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business

Carryout detailed business analysis and recommend a proposal to thedelegated 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.

InternalProcess

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

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

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate,preferably in commerce and related streams

Experience(Yearsand Core Experience Type)

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

Certifications

FunctionalSkills

Knowledgeof Credit in LAP/Mortgage Loans/MSME Loans including term loansand overdrafts

BusinessAnalysis Skills

BasicComputer knowledge (MS Office, Outlook) / Ease of technologyusage (tablet/smartphone)

KYCnorms/guidelines for business loans