REPORTS TO : Cluster Credit Manager- Micro Mortgage
REPORTING INTO
NA
• ROLE PURPOSE & 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
FINANCIAL SIZE
NON-FINANCIAL SIZE
• 15 Cr – asset portfolio at a cluster level to be managed
• Manage monthly disbursement of 1.25 Cr
• 25 Credit 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 decision making.
• KEY DUTIES & 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 pla
📌 Officer-Credit LAP (Mehsana)
🏢 Ujjivan Small Finance Bank
📍 Mehsana
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