Officer-Credit Micro Banking

ROLEPURPOSE OBJECTIVE

- Thisrole 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

SIZE OF THE ROLE
- ILDisbursement of Rs. 2-3 Cr in a month and manage IL portfolio of12-15 Cr.
- SupportIL business of 3-4 Branches

KEYDUTIES RESPONSIBILITIES OF THE ROLE
- Underwritehigh ticket and open market loans in the field through thoroughassessment and personal discussion with borrower and / orco-borrower.
- Underwriteboth unsecured and secured loans of the microfinance and ruralbusiness vertical as below
- Individualloans Business, Home improvement, Higher Education loans
- KCC,agriculture and livestock loans
- Maintainssuccess and growth of these products by adhering to definedpolicy and process for loan approval.
- Maintaincredit policies and processes are followed effectively bysourcing staffs and appraisers.
- Conductbusiness place, office, residence and farm visits of theapplicants based on the product and purpose of the loan. Conductreference checks with customers /suppliers / vendors / dealers.Assess repayment capacity, character and cash flow of theapplicant.
- Maintaincollection of relevant and proper documents. Maintain adherenceto internal and regulatory policies / compliances like KYC etc.
- Sanctionthe files appraised by the sales / distribution team throughthorough verification of the documents and assessment by theappraiser of the loan.
- Conductsample TVR and PDs of the cases appraised by the sales team alsoshadow appraiser on asample basis




- Escalatedeviations for necessary approval as per the deviation matrix.Observe for triggers in documents and escalate documents withissues to FCU team.
- Decisionon loan applications as per credit approval grid, deviationmatrix and bureau matrix
- Responsiblefor portfolio quality of the loans underwritten for 12 MOB.
- Maintaindaily productivity with respect to personal discussions, qualitycheck of applications, sample visits and checks etc as per theset KRA.
- Impartingtraining to the microfinance team on the group lending,individual lending and other lending products creditpolicies, processes and systems, including regular trainings onchanges / refreshers.
- Monitoringrejections from field, guide the branch staff to control the sameand maintain higher number of Straight through applications frombranches.
- Report/Escalate critical issues at field for necessary action as perpenalty matrix and maintain compliance of Audit issues.
- ConductLoan Utilization Checks for the recent disbursement cases as perpolicy.
- Maintainto participate and drive the successful implementation oftechnology based projects at backend and field
- Planand address issues across Poor, High Risk and Critical branchesand maintain positive risk management at the branches
- MaintainsPAR and provision are maintainedwithin the budget.
- Engagein collections for recovery, follow up for Incremental overduesand non-starters
- Sanctionthe files appraised by the sales / distribution team throughthorough verification of the documents and assessment by theappraiser of the loan.
- Decisionon loan applications as per credit approval grid, deviationmatrix and bureau matrix

📌 Officer -Credit Micro Banking (Guwahati)
🏢 Ujjivan Small Finance Bank
📍 Guwahati