Job Title

Officer-Credit Micro Mortgages

Department

Credit

Sub-department

Credit - Micro Mortgage

Location

Branches

Type of Position

Full time

Reports To

Cluster Credit Manager - Micro Mortgage

Role Purpose Objective
Underwrite Micro Mortgage in the field through thorough assessment and personal discussion with borrower and / or co-borrower
UnderwriteIL loans in SFB and URC branches to understand the geography and segment
Sanction or recommend secured loans up to Lakh with proper justification as per product features, credit policy and based on approval rights
Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan
Assess repayment capacity, character and cash flow of the applicant.
Conduct reference checks with customers /suppliers / vendors / dealers.
Ensure collection of relevant and proper documents. Ensure adherence to internal and regulatory policies / compliances like KYC etc.
Understand the nature of collateral security, ensure the collateral offered is free from all the encumbrances, having transparent title and marketability, the charge creation of the bank on the property should be exclusive first charge.




Obtain Legal opinion and valuation reports on the collateral offered as security, should clearly advise type of mortgage to be created on the security in the sanction

Size of the Role

Financial Size
15Cr - asset portfolio at a cluster level to be managed
Monthly disbursement of 1.25 Cr
25 Credit files processed in a month for a cluster

Non-Financial Size
Underwriting and approving proposals based on credit parameters and eligibility criteria
Co-ordinate with business team for smooth flow of business and quick decisionmaking.

Key Duties Responsibilities of the Role

Business
UnderwriteIL loans in SFB and URC branches to understand the geography andsegment
Sanction or recommend secured loans up to Lakh with properjustification as per product features, credit policy and based onapproval rights

Location - Akurdi,Pune,Ahmednagar,Nagar,Aurangabad,Nadiad,Himatnagar,Anand,Vadodara,Kheda,Latur,Shirpur,Nashik,Rajpipla,Rajkot,Jamnagar,Botad,Bhavnagar,Modasa,Ahmedabad,Naroda,Morbi,Dholka,Mehsana,Lunawada,Nanded,Dhule,Jalna,Jalgaon,Bhusawal,Chowk,Dahod,Gandhinagar

📌 Officer Credit Lap Ahmednagar
🏢 Ujjivan Small Finance Bank
📍 Ahmednagar