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119 Ujjivan Financial Services Jobs
Loan Officer-Housing Loans
Ujjivan Financial Services
posted 5mon ago
Job Role Insights
Fixed timing
Key skills for the job
Job Description
Business/ Financials
Achieve the set targets on HL-Secured Loans interms of open market acquisition and existing customer conversion
Maintaindatabase of prospects, meet select prospects and manage the relationshipthereafter
Follow up on leads provided by call centre/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
Coordinate with Products & Marketing department to carry out marketing drivesthat are assigned and catchment areasfor HL secured loans
Customer
Interactwith customers in a courteous and professional manner; provide prompt,efficient and accurate services and establish professional relationship withthem, with a long term perspective
Conduct theappraisal process of potential customers in a courteous manner withoutcompromising quality
Guaranteeconfidential treatment of all the information gathered from customers
Internal Process
Carry outthe pre and post-loan activities related to Unsecured loans, perform simple financialanalysis, present the loan applications to the sanctioning committee byadhering to the set TAT & prioritize the repayment of loans to preserve theportfolio 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 the guarantor/collateral contact, explain about his/her roleduring the loan term
Cooperate with the credit department in case of identifying discrepanciesor problems in customers information, reports, etc. through CRM Microfinance.
Inform the customer about the Credit Committee decision
Coordinate with Liabilities team if applicable, to ensure bank accountsare opened/activated to disburse the loan amount and necessary standinginstructions 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 loanrecovery and coordinate with collections officer to update the statusperiodically
Learning & Innovation
Maintain up to date knowledge of Unsecured loans as well as a workingknowledge of other products offered in the branch
Inform Branch Head about the demand in his/her assigned area as well ason the competition on a regular basis in consultation with CRM Microfinance.
Ensureadherence to training man-days/ mandatory training programs for self Ensure goal setting,mid-year review and performance appraisal processes are completed withinspecified timelines
Employment Type: Full Time, Permanent
Functional Areas: Banking/Insurance
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What people at Ujjivan Financial Services are saying
Rating based on 26 Loan Officer
reviews
Anonymous · Risk Management & Compliance
in Tumakuru
Likes
Very good company for employees working balance and Job security
- Skill development - Excellent
+5 more
Dislikes
Appraisals and increments
Loan Officer salary at Ujjivan Financial Services
reported by
22
employees
₹1.7
L/yr - ₹3.4
L/yr
8%
less
than the average Loan Officer Salary in India
View more details
What Ujjivan Financial Services employees are saying about work life
based on 304 employees
Strict timing
Monday to Saturday
Within city
Day Shift
Ujjivan Financial Services Benefits
Job Training 
Health Insurance 
Soft Skill Training 
Team Outings 
Education Assistance 
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