Loan Officer

**Loan Officer-Housing Loans (Delhi NCR)**:
Multiple locations
- Department
- NORTH BUSINESS
- Job posted on
- Apr 24, 2025
- Employment type
- Permanent- POSITION DESCRIPTION

JOB TITLE

Loan Officer

GRADE

DM-II

DEPARTMENT

Housing

LOCATION

RO

SUB-DEPARTMENT

NA

TYPE OF POSITION

Full-time

REPORTS TO

Relationship Manager-Housing Loans

REPORTING INTO

NAROLE PURPOSE & OBJECTIVELead Generation - Identify quality leads from existing customer base /open market by conducting various events and activities- Assessment of leads - Evaluate the leads generated by analyzing credit histories & property evaluation by adhering to internal and external regulations- Acquire new Housing Loans (HL) - Secured home loans customers from open market / cross sell to existing customers- Monitor installment payments and collections of customers- Deepen relationship with the existing customers by cross-selling Ujjivan’s products as per the profile & need of the customersSIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

**NA**

NAKEY 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 timelinesMINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
- QualificationsGraduate, preferably in commerce and related streams

ExperiencePreferred experience of 2-4 years in banking, asset products sales or collection

CertificationsNA

Functional SkillsKnowledge of Banking sector
- Knowledge on individual lending - Secured loans/asset products and third party products
- Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet)
- Sales and marketing skills - across multiple products
- KYC norms/guidelines for secured loans
- Credit Assessment/Appraisal- Communication Skills - fluent in the local language & English

Behavioral Skills
- Multiple product selling skills
- Time management
- Customer relations management
- Achievement/performance oriented
- Possesses good interpersonal skills
- Documentation skills- Willingness to travel & relocation as per business requirements and career opportunities

Competencies RequiredBuilding Relationship- Driving Change- Planning & Organizing- CollaborationKEY INTERACTIONS

INTERNAL

EXTERNAL

Housing Products team

Collateral contacts of customers

Regional Products & Marketing departments

Regional operations Manager

PREPARED BY : Shivkumar V

DATE : 12-12-2023

REVIEWED BY : Pradeep B

DATE : 13-12-2023

LAST UPDATED BY : TM Team

DATE : 15-01-2024