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
Efficient 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

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-Jabalpur

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