Credit Officer

**Credit Officer-Housing
- Tamil Nadu & Kerala**:
Multiple locations
- Department
- SOUTH CREDIT HOUSING
- Job posted on
- Jul 03, 2025
- Employment type
- Permanent- POSITION DESCRIPTION
- JOB TITLE
- Credit Officer-Housing
- GRADE
- DM-II
- DEPARTMENT
- Credit
- LOCATION
- Branch Office
- SUB-DEPARTMENT
- Credit - Housing
- TYPE OF POSITION
- Full-time
- REPORTS TO
- Cluster Credit Manager
- REPORTING INTO
- N/A- 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.- CO-ordinate with Distribution/Business.- SIZE OF THE ROLE
- FINANCIAL SIZE
- NON-FINANCIAL SIZE- Handling portfolio from 0.1 Cr to 50 Cr- Supervising the monthly disbursement of 1-60 files from the assigned area- Efficient TAT management by credit team- 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- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
- Educational
- Qualifications- Graduate, preferably in commerce and related streams
- Experience(Years and Core Experience Type)- Preferred experience of 2-3 years in Credit LAP/Mortgage Loans/MSME Loans Loan products.
- Certifications- NA
- Functional Skills- Knowledge of Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts- Business Analysis Skills- Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet/smartphone)- KYC norms/guidelines for business loans- Basic Knowledge of security
- hypothecation and mortgage- Communication Skills - fluent in the local language & can read-write basic English
- Behavioral Skills- Time management- Customer relations management- Achievement/performance oriented- Possesses good interpersonal skills- Willingness to travel & relocation as per business requirements and career opportunities
- Competencies- KEY INTERACTIONS
- INTERNAL
- EXTERNAL- Relationship Officers- Loan Officers- Legal & Valuable Agencies- Customers

Note: Please do not add immediate supervisors/reportees to the list of internal interface
- PREPARED BY: Credit Housing
- DATE: 30th January 2024
- REVIEWED BY: Anand Devata
- DATE: 30th January 2024
- LAST UPDATED BY: TM Team
- DATE: 21st February 2024