Current jobs related to Officer-Credit Micro Mortgages - Alwar, Rajasthan - Ujjivan Small Finance Bank

  • Mortgage Credit Analyst

    2 weeks ago

    Alwar, Rajasthan, India beBeeCredit Full time ₹ 10,00,000 - ₹ 15,00,000

    \Key Role: Mortgage Credit Associate\We are seeking a highly skilled professional to manage credit processes and possess excellent analytical, communication and credit management skills.\Responsibilities:\Day-to-day tasks related to financial analysis and credit managementClient assessment for creditworthinessApplication lodging...

  • Senior Mortgage Credit Manager

    1 week ago

    Alwar, Rajasthan, India beBeeCredit Full time ₹ 50,00,000 - ₹ 60,00,000

    Seeking a seasoned credit professional to manage mortgage underwriting with thorough case ownership.As a critical member of our team, you will evaluate borrower profiles using the 4Cs of Credit – Character, Capacity, Capital, and Collateral.You will conduct in-depth Credit Report Reviews for precise risk assessment, focusing on income calculation,...

  • Senior Mortgage Credit Analyst

    1 week ago

    Alwar, Rajasthan, India beBeeMortgage Full time ₹ 6,00,000 - ₹ 15,00,000

    We are seeking a detail-oriented Mortgage Underwriter to join our team. As a Mortgage Underwriter, you will play a vital role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers.The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve,...

  • Mortgage Process Expert

    2 weeks ago

    Alwar, Rajasthan, India beBeeAnalyzer Full time ₹ 9,00,000 - ₹ 12,00,000

    Job DescriptionAbout our organizationWe are a specialized global business process services partner, providing transformational solutions and services spanning the customer lifecycle across diverse industries.We strive to deliver future-focused outcomes, leveraging cutting-edge technology, data, and analytics.Key Responsibilities:Analyze mortgage...

  • Mortgage Financing Specialist

    2 weeks ago

    Alwar, Rajasthan, India beBeeFinancing Full time ₹ 6,50,000 - ₹ 7,50,000

    Mortgage Financing Specialist RoleWe are seeking a detail-oriented and client-focused professional to join our organization as a Mortgage Financing Specialist. This role is responsible for supporting the end-to-end mortgage application process, ensuring efficiency, compliance, and exceptional client service.Key Responsibilities:Loan Processing and Client...

  • Experienced Mortgage Leader Wanted

    2 weeks ago

    Alwar, Rajasthan, India beBeeMortgage Full time ₹ 15,00,000 - ₹ 20,00,000

    Job Title: US Mortgage ManagerWe are seeking a seasoned professional to lead our mortgage team. In this role, you will be responsible for managing day-to-day operations, ensuring compliance with regulations, and developing coaching and training programs for staff.Key Responsibilities:Direct management of team members, including attendance, training, hiring,...

  • Senior Loan Auditor Role

    2 weeks ago

    Alwar, Rajasthan, India beBeeMortgage Full time ₹ 90,00,000 - ₹ 1,20,00,000

    Mortgage Underwriter Job OpportunityThe ideal candidate will be responsible for auditing loans underwritten by credit officers to ensure compliance with banking regulations and guidelines.Assessing customer financial positions, employment history, credit history, and ability to repay.Understanding and applying effective credit principles.Ensuring compliance...

  • Mega Job Opportunities in Mortgage and Quality

    2 weeks ago

    Alwar, Rajasthan, India beBeeCareer Full time ₹ 8,00,000 - ₹ 15,00,000

    Unlock Your Career Potential in Mortgage and Quality ManagementWe are seeking skilled professionals to fill multiple roles across various domains!Are you passionate about innovation, growth, and making a meaningful impact? We invite you to our Walk-in Drive at Navalur office.Job Highlights:Develop your expertise in underwriting, income calculation, and...

  • Loan Origination Specialist

    1 week ago

    Alwar, Rajasthan, India beBeeOrigination Full time ₹ 10,00,000 - ₹ 15,00,000

    Mortgage Origination RolesThis critical role oversees the comprehensive management of mortgage origination processes, encompassing pre-closing and post-closing review activities.Key aspects include junior loan officer supervision, performance evaluations, training programs, as well as hands-on experience with federal, state, and industry compliance...

  • Accountant (australia)

    3 weeks ago

    Alwar, Rajasthan, India Global Assist Full time

    New Opportunity:We are seeking a highly skilled and experienced Bookkeeping Executive with expertise in XERO software to join our team. The ideal candidate will have a strong background in bookkeeping and accounting principles, with demonstrated proficiency in XERO and Quickbooks software.About the CompanyGlobal Assist is remote staffing solution for...

Officer-Credit Micro Mortgages

2 weeks ago

Alwar, Rajasthan, India Ujjivan Small Finance Bank Full time ₹ 5,00,000 - ₹ 10,00,000 per year

Business

  • Underwrite Micro Mortgage in the field through thorough assessment and personal discussion with borrower and / or co-borrower
  • Underwrite IL loans in SFB and URC branches to understand the geography and segment
  • Sanction or recommend secured loans up to Rs. 10 Lakh with proper justification as per product features, credit policy and based on approval rights
  • Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan
  • Assess repayment capacity, character and cash flow of the applicant.
  • Conduct reference checks with customers /suppliers / vendors / dealers.
  • Ensure collection of relevant and proper documents. Ensure adherence to internal and regulatory policies / compliances like KYC etc.
  • Understand the nature of collateral security, ensure the collateral offered is free from all the encumbrances, having clear title and marketability, the charge creation of the bank on the property should be exclusive first charge.
  • Obtain Legal opinion and valuation reports on the collateral offered as security, should clearly advise type of mortgage to be created on the security in the sanction
  • Decision whether to approve or reject the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan.
  • Capture proper reasons of rejections and communicate the same to branch team in case of rejections
  • Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team.
  • Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix
  • Responsible for portfolio quality of the loans underwritten for 12 MOB.
  • Review/renew the accounts before expiry of the limit through coordinating with Distribution team
  • Ensure weekly and monthly productivity with respect to personal discussions, quality check of applications, sample visits and checks etc.
  • Monitoring rejections from field, guide the branch staff to control the same and ensure higher number of Straight through applications from branches.
  • Report/ Escalate critical issues at field for necessary action as per penalty matrix and ensure compliance of Audit issues.
  • Conduct Loan Utilization Checks for the recent disbursement cases as per policy.
  • Ensure to participate and drive the successful implementation of technology based projects at backend and field
  • Engage in collections for recovery, follow up for Incremental overdues and non-starters
  • Ensures success and growth of these products by adhering to defined policy and process for loan approval

Customer

  • Ensures customer satisfaction by processing of loan applications within the TAT defined
  • Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer
  • Ensure that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications
  • Co-ordinate with Legal and technical vendors for quick response on the property documents
  • Coordinate with FCU team or agency for their reports
  • Ensure customers documents are kept safe till they are handed over to concerned authority
  • Coordinate with Operations for loan booking, safe keeping of the customer document etc.
  • Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution
  • Engage with customer for any feedback on the products, policy and process

Internal process

  • Ensure credit policies and processes are followed effectively by sourcing staffs
  • Ensure adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans
  • Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix
  • Ensure legal opinions are clearly understood and necessary action taken based on the legal opinion
  • Ensure completeness of post disbursement documents, follow up for if gaps any
  • Review branch working areas, negative areas, no-go areas and negative customer list
  • Ensure that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix.
  • Attend audit closure meetings to understand identified issues & take necessary corrective measures.
  • Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors

Learning & Performance

  • Maintain up to date knowledge of all the products and the geography
  • Keep updated about the regulatory norms for secured products
  • Keep updated about the property document related policies and processes
  • New products being introduced and new systems being adopted to be learnt quickly and to be adopted
  • Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives
  • Undertake business sub sector study and underwrite cases at field
  • Ensure necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting
  • Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action
  • Imparting training to branch team on Micro Mortgage products credit policies, processes and systems, conduct regular trainings on changes / refreshers.
  • Ensuring visits in branches of other clusters to ensure understanding and learning through experience