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Officer

2 weeks ago

Karunagappalli, India Ujjivan Small Finance Bank Full time

**Officer-Credit Micro Banking-Karunagappally**:
South 1636-Karunagappally, Karunagappally, Kerala, India
- Department- SOUTH CREDIT MICROBANKING & RURAL BANKING- Job posted on- Nov 07, 2024- Employee Type- Permanent- Experience range (Years)- 2 years - 4 years- POSITION DESCRIPTION

JOB TITLE

Officer
- Credit Micro Banking

GRADE

DM-II

DEPARTMENT

Credit

LOCATION

HO

SUB-DEPARTMENT

Micro Banking and Rural Banking

TYPE OF POSITION

Full-time

REPORTS TO

Cluster Credit Manager-Micro Banking & Rural Banking

NA
- ROLE PURPOSE & OBJECTIVE
- This role is primarily responsible for underwriting high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower and unsecured loans of the microfinance and rural business vertical
- The incumbent works on maintainingsuccess and growth of products by adhering to defined policy and process for loan approval and credit policies and processes are followed effectively by sourcing staffs and appraisers.
- SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE
- IL Disbursement of Rs. 2-3 Cr in a month and manage IL portfolio of 12-15 Cr.
- Support IL business of 3-4 Branches
- KEY DUTIES & RESPONSIBILITIES OF THE ROLE

**Business**
- Underwrite high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower.
- Underwrite both unsecured and secured loans of the microfinance and rural business vertical as below
- Individual loans - Business, Home improvement, Higher Education loans
- KCC, agriculture and livestock loans
- Maintains success and growth of these products by adhering to defined policy and process for loan approval.
- Maintain credit policies and processes are followed effectively by sourcing staffs and appraisers.
- Conduct business place, office, residence and farm visits of the applicants based on the product and purpose of the loan. Conduct reference checks with customers /suppliers / vendors / dealers. Assess repayment capacity, character and cash flow of the applicant.
- Maintain collection of relevant and proper documents. Maintain adherence to internal and regulatory policies / compliances like KYC etc.
- Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan.
- Conduct sample TVR and PDs of the cases appraised by the sales team also shadow appraiser on a sample basis
- Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team.
- Responsible for portfolio quality of the loans underwritten for 12 MOB.
- Imparting training to the microfinance team on the group lending, individual lending and other lending product’s credit policies, processes and systems, including regular trainings on changes / refreshers.
- Report/ Escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of Audit issues.
- Conduct Loan Utilization Checks for the recent disbursement cases as per policy.
- Maintain to participate and drive the successful implementation of technology based projects at backend and field
- Plan and address issues across Poor, High Risk and Critical branches and maintain good risk management at the branches
- Maintains PAR and provision are maintained within the budget.
- Engage in collections for recovery, follow up for Incremental overdues and non-starters
- Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan.
- Responsible for portfolio quality of the loans underwritten for 12 months of booking.
- Imparting training to the microfinance team on the group lending, individual lending and other lending product’s credit policies, processes and systems, including regular trainings on changes / refreshers.
- Report / escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of audit issues.
- Maintain to participate and drive the successful implementation of product and technology based projects at field
- Maintains PAR and Provision are maintained within the acceptable limit/budget.
- Maintain adherence to all regulatory norms with respect to KYC, documentation and sanctioning of loans
- Maintain up to date knowledge of all the product of the geography
- Quickly learn of new products and systems being introduced and implement in the field.
- Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives
- Undertake business sub sector or occupation study and survey of branch working areas.

**Customer**
- Understand customers’ need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer
- Undertake visits in other financial institutions for time