Loan Officer

5 days ago

Ludhiana Punjab, India Ujjivan Small Finance Bank Full time

**Loan Officer-Housing Loans-Ludhiana:Ferozpur Road**:
North 2275-Ludhiana-Ferozpur Road, Ludhiana, Punjab, India
- Department- NORTH BUSINESS- Job posted on- Jun 04, 2024- Employee Type- Permanent- Experience range (Years)- 0 - N.A.JOB 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 man-days/ mandatory training programs for self
- Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines

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