ROLEPURPOSE OBJECTIVE
- Underwrite Micro Mortgage in both SFB and URC branches
- Sanction or recommend loans up to Rs. 10 Lakh with proper justification based on the product features and credit policy matrix
- Ensure credit policies and processes of secured products of Micro /Rural banking vertical are followed effectively by branch staff
- Coordinate with legal and technical vendors for their expert opinion reports
- Ensure Legal opinion and technical valuation reports are interpreted properly while sanctioning these secured loans
- Interpretation of Property documents (Residential/commercial property), aware of the property value as per market and government value for LTV
- Conduct the risk assessment of the customer as per the defined scoring matrix for the products
- Visit the customer residence place and business / activity place to assess the financial parameters
SIZE OF THE ROLE
FINANCIALSIZE
NON-FINANCIALSIZE
- 15Cr asset portfolio at a cluster level to be managed
- Manage monthly disbursement of 1.25 Cr
- 25Credit files processed in a month for a cluster
- Underwriting and approving proposals based on credit parameters and eligibility criteria
- Co-ordinate with business team for smooth flow of business and quick decisionmaking.
KEYDUTIES RESPONSIBILITIES OF THE ROLE
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 residenc
📌 Officer-Credit LAP (India)
🏢 Ujjivan Small Finance Bank
📍 India
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