Credit Officer

1 week ago


Delhi, Delhi, India Ujjivan Small Finance Bank Full time

Credit Officer-Housing Loans-Delhi HO:

North 2201-Delhi HO, Noida, Uttar Pradesh, India

  • Department
  • NORTH CREDIT HOUSING
  • Job posted on
  • May 03, 2024
  • Employee Type
  • Permanent
  • Experience range (Years) 1 year 5 years

JOB TITLE:
Credit Officer-Housing

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.
  • COordinate with Distribution/Business.
KEY DUTIES & RESPONSIBILITIES OF THE ROLE

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

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