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Credit Officer-Housing Loans
1-4 years
₹ 2 - 3.45L/yr (AmbitionBox estimate)
Lucknow, Nagaur
1 vacancy
Credit Officer-Housing Loans
Ujjivan Financial Services
posted 2mon ago
Job Role Insights
Fixed timing
Key skills for the job
Job Description
- Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity
- Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms
- Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations
- Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria
- Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults
- Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts
- Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns
- Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders
- Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities
Employment Type: Full Time, Permanent
Functional Areas: Banking/Insurance
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Rating based on 20 Credit Officer
reviews
Anonymous · Finance
in Nagercoil, Tamil Nadu
Good team work good environment in working culture
Higher authority dominated and same department motivate is less
Read 20 reviewsCredit Officer salary at Ujjivan Financial Services
What Ujjivan Financial Services employees are saying about work life
Ujjivan Financial Services Benefits
Job Training 
Health Insurance 
Soft Skill Training 
Team Outings 
Education Assistance 
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