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Confidential


It's telecalling for banking process
Confidential • New Delhi, Delhi • via OLX
7 days ago
Full–time
No Degree Mentioned
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Job description
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Ujjivan Small Finance Bank


Credit Officer
Ujjivan Small Finance Bank • New Delhi, Delhi • via SimplyHired
Full–time
No Degree Mentioned
Apply on SimplyHired
Apply on Callcenterjob.co.in
Job description
Credit Officer-Housing Loans-Delhi HO

North 2201-Delhi HO, Noida, Uttar Pradesh, India

Department

NORTH CREDIT HOUSING

Job posted on

Aug 05, 2024

Employee Type

Permanent

Experience range (Years)

1 year - 5 years

JOB TITLE: Credit Officer-Housing

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.

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