Credit Officer - Housing

Job Details

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