ROLEPURPOSE & OBJECTIVE1. 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.

1. SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE
- Handling portfolio from 0.1 Cr to 50 Cr
- Supervising the monthly disbursement of 1-60 files from the assigned area
- Effective TAT management by credit team

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business
- Carryout 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 theirperformance histories.
- Knowledge of negative profiles, negative property types and negativeproperty locations




- Knowledge of property valuation process through vendors and knowledge &keen;
- interest in monitoring current property price / historical propertyprices.
- Meet appropriate customers for understanding of their needs
- Conduct underwriting for cases under purview
- Pickup 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

📌 Credit Officer-Housing (Coimbatore)
🏢 Ujjivan Small Finance Bank
📍 Coimbatore