Credit Officer-Housing

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

Job Summary

Responsibilities

Business

• Carryout 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.
• Pickup 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.
• Update self about changes happening in the market.
• Networking with other NBFCs/Banks to have a deeper understanding of the Industry and its perspectives.

Size of the Role

• 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

Minimum Requirements of Knowledge and 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

Location - Aligarh,Khandwa,Mathura,Agra,Kaushambi,Ghaziabad,Jodhpur