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Loan Officer

3 months ago

Dehra Dūn, Uttarakhand, India Ujjivan Small Finance Bank Full time

Loan Officer-Housing Loans - Dehradun:

North 2231-Dehradun,, Uttarakhand, India

  • Department
  • NORTH BUSINESS
  • Job posted on
  • Mar 12, 2024
  • Employee Type
  • Permanent
  • Experience range (Years) 2 years 4 yearsBusiness/ 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 centre/ 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, mid-year review and performance appraisal processes are completed within specified timelines