Job Details

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 Size

- Handlingportfolio from 0.1 Cr to 50 Cr
- Supervisingthe monthly disbursement of 1-60 files from the assigned area
- EfficientTAT management by credit team

Responsibilities

- Underwritingof Home loans cases
- Monitoringof Portfolio of Home Loan for the Branch.
- EnsuringProcess and Policies are adhered to.
- EnsuringTAT is met for all activities related to credit for the branch.
- CO-ordinatewith Distribution/Business.

Business

- Carryout detailed business analysis and recommend a proposal to the delegated authority.
- Visiteach case within prescribed TAT.
- PrepareCAM and Financial Analysis for the case.
- Visitneighbors, suppliers, customers for the reference checks.
- Visitproperty and conduct due diligence in identifying the property

Customer

- Knowledgeof customer segments in various markets of India and theirperformance histories.
- Knowledgeof negative profiles, negative property types and negativeproperty locations
- Knowledgeof property valuation process through vendors and knowledge keen
- interestin monitoring current property price / historical propertyprices.




- Meetappropriate customers for understanding of their needs
- Conductunderwriting for cases under purview
- Pickup EWS for the set of clients in his area
- Maintainportfolio quality of the Branch/hub/Cluster as per company norms.
- Monitoringand tracking of HL Loan cases.
- Maintainvarious standard MIS for HL Loan.

Internal Process

- AppropriateIntervention to manage ground level risk effectively.
- Ensureadherence to RBI regulations on documentation and KYC compliance.
- LUCand periodic loan monitoring framework
- ProvideAudit Compliance.

Learning & Performance

- Maintainup to date knowledge of HL and other related products.
- Upgradeself about changes happening in the market.
- Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives

Minimum Requirements of Knowledge & Skills

Educational Qualifications

- Graduate,preferably in commerce and related streams

Experience

- Preferredexperience of 2-3 years in Credit LAP/Mortgage Loans/MSME LoansLoan products.

Certifications

- NA

Location - Ramanathapuram,Coimbatore,Nagar,Chennai,Puducherry,Dharmapuri,Kumbakonam,Salem,Kanchipuram,Krishnagiri,Rajapalayam,Madurai,Tiruvannamalai,Cuddalore,Panruti,Nagercoil,Kallakkurichi

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