Credit Officer

1 week ago

Chennai Coimbatore Cuddalore, India Ujjivan Small Finance Bank Full time ₹ 40,00,000 - ₹ 1,20,00,000 per year

GRADE - DM-II

DEPARTMENT - Credit

SUB-DEPARTMENT - Credit - Housing

REPORTS TO - Cluster Credit Manager

ROLE PURPOSE & OBJECTIVE

  1. Underwriting of Home loans cases
  2. Monitoring of Portfolio of Home Loan for the Branch.
  3. Ensuring Process and Policies are adhered to.
  4. Ensuring TAT is met for all activities related to credit for the branch.
  5. 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.

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 donot add immediate supervisors/reportees to the list of internalinterface

PREPARED BY: Credit Housing

Location - Chennai,Coimbatore,Cuddalore,Dharmapuri,Kanchipuram,Krishnagiri,Kumbakonam,Madurai,Nagar,Panruti,Puduche

  • Credit Officer

    2 weeks ago

    Coimbatore, Tamil Nadu, India Muthoot Fincorp Limited Full time ₹ 6,00,000 - ₹ 12,00,000 per year

    BRANCH CREDIT OFFICER 1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED & UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS Reporting to...

  • Credit Officer

    3 days ago

    Coimbatore, India Suryoday Small Finance Bank Full time

    Greetings from *Suryoday small finance Bank *.!!! Urgent Requirement.. Designation : *Credit Officer* Job Location : *Coimbatore Dt.* Experience : *1+ Years* Note: *JLG knowledge must. Salary : 14500 + experience basis **Job Type**: Regular / Permanent **Salary**: From ₹14,500.00 per month **Benefits**: - Cell phone reimbursement - Health...

  • Credit Officer

    7 days ago

    Coimbatore, India Suryoday Small Finance Bank Full time

    Greetings from *Suryoday small finance Bank *.!!! Urgent Requirement.. Designation : *Credit Officer* Job Location : *Coimbatore Dt.* Experience : *1+ Years* Note: *JLG knowledge must. Salary : 14500 + experience basis and WhatsApp *8344682523.* **Job Type**: Regular / Permanent **Salary**: From ₹14,500.00 per month **Benefits**: - Cell phone...

  • CBG:Circle Credit Officer

    3 weeks ago

    Coimbatore, India Axis Bank Full time

    Job Description About Commercial Banking Group: The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card,...

  • Credit Officer

    21 hours ago

    Ambattur, Chennai, Tamil Nadu, India Futron Finance Private Ltd. Full time

    Company Name - Futron Finance Private Limited. Role - GCO (Group Credit Officer) Product - Group Loan Qualification - Minimum HSC Location - All Over Tamilnadu Location CTC- 1.75 LPA to 2.75 LPA Interview Mode - Telephonic Round (Online Video Call) Criteria - Must Have 1 to 4 year's relevant experience as Credit Officer. **Salary**: ₹11,997.77 -...

  • Finance Officer

    1 week ago

    Cuddalore, India BYST Full time

    Experienced in Loan division especially in SME Loans and Credits.- - From Financial Education background is preferred.- - Organize workshops for counseled entrepreneurs.- - Collect all documents from the potential entrepreneurs and help them to complete this process.- - Conduct Site Verification visits and organize technical evaluations of Prospective...

  • Credit Initiation Officer C09

    3 days ago

    Chennai, India Citi Full time

    The Credit Initiation Team Lead is an entry level position responsible for assisting in assessing the ability of individuals, companies and institutions to meet the demands of loans, agreements and extended obligations in coordination with the Operations - Services team. The overall objective of this role is to minimize threats to the company by determining...

  • Area Sales Officer

    1 week ago

    Cuddalore, India Ciel HR Full time

    **Job Title : Area Sales Officer** Job Location : Tirunelveli Experience : 3-5 Years Salary : Nagotiable Relevant Industry : Diary and Farm Industry Relevant Skills : Sales, Product Knowledge, Marketing stragedy **Job Summary**: The role of the Area Sales Officer encompasses a range of key responsibilities vital to the success of our organization. The...

  • Agri Loan Sales Officer

    21 hours ago

    Cuddalore, India Quess Corp Limited Full time

    Job Requirement For State Bank Of India Note - Free Job No Payments Agricultural Loan - SALES OFFICER Banking Sector Any Loan Sales Experience - Agricultural Loan, Gold Loan, Mortgage Loan, Housing Loan, Account Opening, Personal Loan, Auto Loan, Credit Card Sales) 1.Experience : Fresher & Experience 2. Qualification - Any Degree & Diploma (10th, 12th,...

  • Credit Manager

    1 week ago

    Anupshahr, Bengaluru, Coimbatore, India Ujjivan Small Finance Bank Full time ₹ 9,00,000 - ₹ 12,00,000 per year

    GRADE - SMDEPARTMENT - CreditSUB-DEPARTMENT - MSMEREPORTS TO - Area Credit Manager LAP-MSMEREPORTING INTO - Credit OfficerROLE PURPOSE & OBJECTIVEExpert knowledge of assessing credit risk for large ticket size cases up to Rs. 1 Cr.Conduct income appraisal of MSME borrowers. In depth understanding and analysis of P & L Account and Balance Sheet including cash...