Loan Officer-Housing Loans

Maintaindatabase of prospects, meet select prospects and manage the relationshipthereafter

Follow up onleads provided by call center / liabilities team within defined TAT

Cross sellother products of Ujjivan and pass quality leads to respective officers/staff

Sharecustomer insights/product related feedback with the Cluster Manager HL

Coordinatewith Products & Marketing department to carry out marketing drives that areassigned and catchment areas for HL secured loans

Customer

Interact withcustomers in a courteous and professional manner; provide prompt, efficient andaccurate services and establish professional relationship with them, with along term perspective

Conduct theappraisal process of potential customers in a courteous manner withoutcompromising quality

Guaranteeconfidential treatment of all the information gathered from customers

InternalProcess

Carry out thepre and post-loan activities related to Unsecured loans, perform simplefinancial analysis, present the loan applications to the sanctioning committeeby adhering to the set TAT & prioritize the repayment of loans to preservethe portfolio quality

Visit thecustomers business and home to do the assessment/evaluation, following theOperations Manual procedures. Analyze and evaluate the loan applications, todetermine the situation of the business, establish the risks, determine thecapacity of repayment and the adequate loan amount for the customers needs,and also evaluate the family situation and stability

Visit theguarantor/collateral contact, explain about his/her role during the loan term

Cooperatewith the credit department in case of identifying discrepancies or problems incustomers information, reports, etc. through CRM Microfinance.

Inform thecustomer about the Credit Committee decision

Coordinatewith Liabilities team if applicable, to ensure bank accounts are opened/activatedto disburse the loan amount and necessary standing instructions to repaymonthly disbursements

Perform loanutilization check and follow up on the disbursed loans, especially of the onesnot paying on time

In case ofarrears, visits customers and guarantors for the loan recovery and coordinatewith collections officer to update the status periodically

Learning& Innovation

Maintain upto date knowledge of Unsecured loans as well as a working knowledge of otherproducts offered in the branch

Inform BranchHead about the demand in his/her assigned area as well as on the competition ona regular basis in consultation with CRM Microfinance.

Ensureadherence to training man-days/ mandatory training programs for self

Ensure goalsetting, mid-year review and performance appraisal processes are completedwithin specified timelines