![Ujjivan Small Finance Bank](https://media.trabajo.org/img/noimg.jpg)
Loan Officer
1 week ago
Loan Officer-Housing Loans-Jalandhar:
North 2277-Jalandhar, Jalandhar, Punjab, India
- Department
- NORTH BUSINESS
- Job posted on
- Jun 15, 2024
- Employee Type
- Permanent
- Experience range (Years) 0
- N
AJOB TITLE:
Loan Officer-Housing Loans
KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business/ Financials
- Achieve the set targets on HL-Secured Loans in terms of open market acquisition and existing customer conversion
- Maintain database of prospects, meet select prospects and manage the relationship thereafter
- Follow up on leads provided by call center / liabilities team within defined TAT
- Cross sell other products of Ujjivan and pass quality leads to respective officers/staff
- Share customer insights/product related feedback with the Cluster Manager
- HL
- Coordinate with Products & Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans
Customer
- Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long term perspective
- Conduct the appraisal process of potential customers in a courteous manner without compromising quality
- Guarantee confidential treatment of all the information gathered from customers
Internal Process
- Visit the guarantor/collateral contact, explain about his/her role during the loan term
- Cooperate with the credit department in case of identifying discrepancies or problems in customer's information, reports, etc. through CRM
- Microfinance.
- Inform the customer about the Credit Committee decision
- Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse the loan amount and necessary standing instructions to repay monthly disbursements
- Perform loan utilization check and follow up on the disbursed loans, especially of the ones not paying on time
- In case of arrears, visits customers and guarantors for the loan recovery and coordinate with collections officer to update the status periodically
Learning & Innovation
- Maintain up to date knowledge of Unsecured loans as well as a working knowledge of other products offered in the branch
- Inform Branch Head about the demand in his/her assigned area as well as on the competition on a regular basis in consultation with CRM
- Microfinance.
- Ensure adherence to training mandays/ mandatory training programs for self
- Ensure goal setting, midyear review and performance appraisal processes are completed within specified timelines
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