Officer - Credit Micro Banking

BusinessUnderwrite high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and or coborrower Underwrite both unsecured and secured loans of the microfinance and rural business vertical as belowIndividual loans Business Home improvement Higher Education loansKCC agriculture and livestock loansMaintains success and growth of these products by adhering to defined policy and process for loan approvalMaintain credit policies and processes are followed effectively by sourcing staffs and appraisersConduct business place office residence and farm visits of the applicants based on the product and purpose of the loan

Conduct reference checks with customers suppliers vendors dealers Assess repayment capacity character and cash flow of the applicant Maintain collection of relevant and proper documents Maintain adherence to internal and regulatory policies compliances like KYC etc

Sanction the files appraised by the sales distribution team through thorough verification of the documents and assessment by the appraiser of the loanConduct sample TVR and PDs of the cases appraised by the sales team also shadow appraiser on a sample basis

Escalate deviations for necessary approval as per the deviation matrix Observe for triggers in documents and escalate documents with issues to FCU teamDecision on loan applications as per credit approval grid deviation matrix and bureau matrixResponsible for portfolio quality of the loans underwritten for 12 MOB

Maintain daily productivity with respect to personal discussions quality check of applications sample visits and checks etc as per the set KRAImparting training to the microfinance team on the group lending individual lending and other lending products credit policies processes and systems including regular trainings on changes refreshers

Monitoring rejections from field guide the branch staff to control the same and maintain higher number of Straight through applications from branchesReport Escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of Audit issues

Conduct Loan Utilization Checks for the recent disbursement cases as per policy Maintain to participate and drive the successful implementation of technology based projects at backend and fieldPlan and address issues across Poor High Risk and Critical branches and maintain good risk management at the branches

Maintains PAR and provision are maintained within the budgetEngage in collections for recovery follow up for Incremental overdues and nonstartersSanction the files appraised by the sales distribution team through thorough verification of the documents and assessment by the appraiser of the loanDecision on loan applications as per credit approval grid deviation matrix and bureau matrix

Responsible for portfolio quality of the loans underwritten for 12 months of bookingImparting training to the microfinance team on the group lending individual lending and other lending products credit policies processes and systems including regular trainings on changes refreshers Report escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of audit issues

Maintain to participate and drive the successful implementation of product and technology based projects at fieldMaintains PAR and Provision are maintained within the acceptable limitbudgetMaintains customer satisfaction by processing of loan applications within the TAT defined

Maintain adherence to all regulatory norms with respect to KYC documentation and sanctioning of loans Maintain up to date knowledge of all the product of the geographyQuickly learn of new products and systems being introduced and implement in the fieldNetworking with other NBFCs Banks to have a deeper understanding of the Industry and its perspectivesUndertake business sub sector or occupation study and survey of branch working areasCustomer

Maintains customer satisfaction by processing of loan applications within the TAT definedUnderstand customers need repayment capacity make appropriate loan decisions and recommend right product and loan amount to right customer

Maintain that credit responds to branch customers queries and issues timely thereby ensuring good service to customers through efficient processing of applicationsUndertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution

Engage with customer for any feedback on the products policy and processInternal processMaintain adherence to all regulatory norms with respect to KYC Documentation Customer Selection and Sanctioning of loans Maintain completeness of post disbursement documents follow up for if gaps anyReview branch working areas negative areas nogo areas and negative customer list

Maintain that the Issue deviations policy process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix

Attend audit closure meetings to understand identified issues take necessary corrective measures

Maintain and update activity trackers Personal discussions Quality check of files shadow visits sample checks trainings LUCs escalations deviations branch errors Learning Performance

Maintain up to date knowledge of all the products and the geography

Upgrade self and branch team about changes happening in the marketNew products being introduced and new systems being adopted to be learnt quickly and to be adopted

Keep updated with SLBC DLC meetings annual reports for information on investment on different types of crops for KCC Agri limits

Keep abreast with ongoing farming operations in the field marketNetworking with other NBFCs Banks to have a deeper understanding of the Industry and its perspectives

Undertake business sub sector study and underwrite cases at field

Maintain necessary feedback is given to supervisors on regular basis about the credit policies processes and systems for effective and efficient underwriting

Improve the probing skills to identify any issues in the field and report critical findings observations for necessary action

Ensuring visits in branches of other clusters to maintain understanding and learning through experience