Loan Officer - Dehra Dun, India - Ujjivan Small Finance Bank

Ujjivan Small Finance Bank

Verified Company

Dehra Dun, India

1 week ago

Posted by:

Deepika Kaur

beBee Recuiter

Loan Officer-Housing Loans - Dehradun:

North 2231-Dehradun,, Uttarakhand, India

Department
NORTH BUSINESS
Job posted on
Mar 12, 2024
Employee Type
Permanent
Experience range (Years) 2 years 4 yearsBusiness/ Financials
Achieve the set targets on HL-Secured Loans in terms of open market acquisition and existing customer conversion
Maintain database of prospects, meet select prospects and manage the relationship thereafter
Follow up on leads provided by call centre/ liabilities team within defined TAT
Cross sell other products of Ujjivan and pass quality leads to respective officers/staff
Share customer insights/product related feedback with the Cluster Manager
HL
Coordinate with Products & Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans

Customer

Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long term perspective
Conduct the appraisal process of potential customers in a courteous manner without compromising quality
Guarantee confidential treatment of all the information gathered from customers

Internal Process

Visit the guarantor/collateral contact, explain about his/her role during the loan term
Cooperate with the credit department in case of identifying discrepancies or problems in customer's information, reports, etc. through CRM
Microfinance.
Inform the customer about the Credit Committee decision
Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse the loan amount and necessary standing instructions to repay monthly disbursements
Perform loan utilization check and follow up on the disbursed loans, especially of the ones not paying on time
In case of arrears, visits customers and guarantors for the loan recovery and coordinate with collections officer to update the status periodically

Learning & Innovation

Maintain up to date knowledge of Unsecured loans as well as a working knowledge of other products offered in the branch
Inform Branch Head about the demand in his/her assigned area as well as on the competition on a regular basis in consultation with CRM
Microfinance.
Ensure adherence to training mandays/ mandatory training programs for self

Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines