Relationship officer/Credit Underwriter Jobs in Delhi,Faridabad,Gurgaon - Janalakshmi Financial Services
Job Description
Relationship Officer:
- Identify prospective customers and execute the disbursement within the credit parameters and process of the organization
- Follow up with the customer for payments in case of EMI dishonor
- Assist CH to achieve the set target
- Cross-sell of insurance and other Banking Products to existing customers
- Sourcing/Disbursals of No. of files, Volume, Loans - Source good portfolio, assist in the collection, cross-sell bank products
- Distribution-Direct Business - maintain a relationship with the customers by visiting them regularly
- EMI returns/Quality portfolio- Follow the laid down Process when acquiring customers
Credit Underwriter:
- Credit recommending and sanctioning authority, responsible for analysis of loans as per Policy Guidelines to Tiny enterprises operating in a small radius of densely populated areas.
- Responsible for initiating personal Discussion before recommending proposal besides recording all the factual events/observations/discussions to facilitate credit decision by the sanctioning authority
- Is accountable for ensuring accurate and appropriate analysis of applicant's credentials, including detailed cash flow analysis, reviewing footfalls, level of activity at the business site
- Is to primary liaison with Credit Manager/ Regional Credit Head on all compliance matters
- Prepares and monitors system related MIS and data updating for the requirement of the administration of the loans as per the Loan Policy Manual and processes
- Visits to outstation branches/units as per the instructions of the competent authority in relation to the matters connected with Credit Appraisal/PD/Sanction and recovery matters
Job Particulars
Role others
Education Any Post Graduate, Any Graduate, Any Non Graduate
Who can apply Freshers
Hiring Process Walk - In, Face to Face Interview
Employment TypeFull Time
Job Id398350
Job Category MBA , Walkin , BSc/BCA/BBM , Others
Locality Address
State Haryana, Uttar Pradesh, Delhi
Country India
About Company
Janalakshmi has its roots in an incubated initiative called Sanghamitra Urban Programme (SUP), housed in an outstanding microfinance institution called Sanghamitra Rural Financial Services (SRFS), set up by one of India’s most respected rural NGOs called Myrada (Mysore Resettlement and Development Agency).
Our first group loan, in October 2000, marks what is possibly the earliest instance of urban microfinance in India.
In 16 months we had loaned one crore rupees. All the while our small core team was trying to understand the aspirations and challenges of the urban poor, and also the role financial services could play in enabling them to script their success.
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