• POSITION DESCRIPTION JOB TITLE : Credit Officer-Housing GRADE : DM-II DEPARTMENT : Credit

LOCATION:
Branch Office SUB-DEPARTMENT : Credit
- Housing TYPE OF POSITION : Full-time REPORTS TO : Cluster Credit Manager REPORTING INTO N/A
• ROLE PURPOSE & OBJECTIVE
• Underwriting of Home loans cases
• Monitoring of Portfolio of Home Loan for the Branch.
• Ensuring Process and Policies are adhered to.
• Ensuring TAT is met for all activities related to credit for the branch.
• CO-ordinate with Distribution/Business.
• SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE
• Handling portfolio from 0.1 Cr to 50 Cr
• Supervising the monthly disbursement of 1-60 files from the assigned area
• Productive TAT management by credit team
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business
• Carry out 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 their performance histories.
• Knowledge of negative profiles, negative property types and negative property locations
• Knowledge of property valuation process through vendors and knowledge & keen
• interest in monitoring current property price / historical property prices.
• Meet appropriate customers for understanding of their needs
• Conduct underwriting for cases under purview
• Pick up 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 Industry and its perspectives
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications
• Graduate, preferably in commerce and related streams Experience(Years and Core Experience Type)
• Preferred experience of 2-3 years in Credit LAP/Mortgage Loans/MSME Loans Loan products. Certifications
• NA Functional Skills
• Knowledge of Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts
• Business Analysis Skills
• Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet/smartphone)
• KYC norms/guidelines for business loans
• Basic Knowledge of security
- hypothecation and mortgage
• Communication Skills
- fluent in the local language & can read-write basic English Behavioral Skills
• Time management
• Customer relations management
• Achievement/performance oriented
• Possesses good interpersonal skills
• Willingness to travel & relocation as per business requirements and career opportunities Competencies
• KEY INTERACTIONS INTERNAL EXTERNAL
• Relationship Officers
• Loan Officers
• Legal & Valuable Agencies
• Customers Note: Please do not add immediate supervisors/reportees to the list of internal interface PREPARED BY: Credit Housing DATE: 30 th January 2024 REVIEWED BY: Anand Devata DATE: 30 th January 2024 LAST UPDATED BY: TM Team DATE: 21 st February 2024

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