Job Description

1. POSITIONDESCRIPTION

JOBTITLE

CreditOfficer-Housing

DEPARTMENT

Credit

SUB-DEPARTMENT

Credit- Housing

ROLEPURPOSE OBJECTIVE

1. Underwritingof Home loans cases
2. Monitoringof Portfolio of Home Loan for the Branch.
3. EnsuringProcess and Policies are adhered to.
4. EnsuringTAT is met for all activities related to credit for the branch.
5. CO-ordinatewith Distribution/Business.

SIZE OF THE ROLE
- Handlingportfolio from 0.1 Cr to 50 Cr
- Supervisingthe monthly disbursement of 1-60 files from the assigned area

- EfficientTAT management by credit team

KEY DUTIES RESPONSIBILITIES OF THE ROLE Business

- Carryout detailed business analysis and recommend a proposal to thedelegated authority.
- Visiteach case within prescribed TAT.
- PrepareCAM and Financial Analysis for the case.
- Visitneighbors, suppliers, customers for the reference checks.
- Visitproperty and conduct due diligence in identifying the property

Customer

- Knowledgeof customer segments in various markets of India and theirperformance histories.
- Knowledgeof negative profiles, negative property types and negativeproperty locations
- Knowledgeof property valuation process through vendors and knowledge keen
- interestin monitoring current property price / historical propertyprices.
- Meetappropriate customers for understanding of their needs
- Conductunderwriting for cases under purview




- Pickup EWS for the set of clients in his area
- Maintainportfolio quality of the Branch/hub/Cluster as per company norms.
- Monitoringand tracking of HL Loan cases.
- Maintainvarious standard MIS for HL Loan.

InternalProcess

- AppropriateIntervention to manage ground level risk effectively.
- Ensureadherence to RBI regulations on documentation and KYC compliance.
- LUCand periodic loan monitoring framework
- ProvideAudit Compliance.

LearningPerformance

- Maintainup to date knowledge of HL and other related products.
- Upgradeself about changes happening in the market.
- Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives

MINIMUMREQUIREMENTS OF KNOWLEDGE SKILLS Educational Qualifications
- Graduate,preferably in commerce and related streams

Experience(Yearsand Core Experience Type)
- Preferredexperience of 2-3 years in Credit LAP/Mortgage Loans/MSME LoansLoan products.

FunctionalSkills
- Knowledgeof Credit in LAP/Mortgage Loans including term loansand overdrafts
- BusinessAnalysis Skills
- BasicComputer knowledge (MS Office, Outlook) / Ease of technologyusage (tablet/smartphone)

Location - Kolkata,Chakdah,Nadia,Badvel,Saguna,Patna,Gamharia,Jamshedpur,Bardhaman,Purba Champaran,Bhagwanpur,Muzaffarpur,Cooch Behar,Agartala,Jorhat,Parganas,Shiv,Siliguri,Dispur,Kamrup,Balurghat

📌 Credit Officer-Housing Loan-East (Kolkata)
🏢 Ujjivan Small Finance Bank
📍 Kolkata