Job Summary

Role purpose objective: This role 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. The incumbent works on maintaining success and growth of products by adhering to defined policy and process for loan approval and credit policies and processes are followed effectively by sourcing staffs and appraisers.

Job Details

- Job Title: Officer-Credit Micro Banking

- Grade: DM-II

- Department: Credit

- Location: HO

- Sub-department: MicroBanking and Rural Banking

- Type of Position: Full time

- Reports To: ClusterCredit Manager-Micro Banking Rural Banking

Size of the Role

- IL disbursement of -3 Cr in a month and manage IL portfolio of 12-15 Cr.

- Support IL business of 3-4 Branches

Key Duties Responsibilities

- Business

- Underwrite high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower.

- Underwrite both unsecured and secured loans of the microfinance and rural business vertical as below

- Individual loans - Business, Home improvement, Higher Education loans

- KCC, agriculture and livestock loans

- Maintains success and growth of these products by adhering to defined policy and process for loan approval.





- Maintain credit policies and processes are followed effectively by sourcing staffs and appraisers.

- Conduct business place, office, residence and farm visits of the applicants based on the product and purpose of the loan. Conduct reference checks with customers / suppliers / vendors / dealers. Assess repayment capacity, character and cash flow of the applicant.

- Maintain collection of relevant and proper documents. Maintain adherence to internal and regulatory policies / compliances like KYC etc.

- Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan.

- Conduct sample TVR and PDs of the cases appraised by the sales team also shadow appraiser on a sample basis

- 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.

- Maintain daily productivity with respect to personal discussions, quality check of applications, sample visits and checks etc as per the set KRA.

- Imparting training to the microfinance team on the group lending, individual lending and other lending products' credit policies, processes

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