Perks & Benefits:
- Responsibilities: Credit Review & Completion of Loan Documents a) Support branches to meet business targets while ensuring that credit risk is maintained at prudent level as per policy and guidelines; b) Independent desk review of loan files received from business for accuracy & completeness in line with the credit policy & procedures; highlight discrepancies (if any) for rectifications / removal before further processing c) Participate in branch Credit Committee for credit decisions and impart independent judgment on loan application(s) for approval / rejection) Maintenance of MIS of all loan applications received, processed, rejected; e) Identification & consolidation of reasons of rejection and onward sharing with stakeholders; f) Coordinate with branch/ management to improve loan rejection rate and adopt best practices. g) Conduct post disbursement verifications (as applicable) on sample basis and consolidate findings for onward sharing with Branch Management & Manager Credit Verification/ Head risk analytic for onward sharing with business for rectification and enforcement; Pre-Approval Due Diligence /Verification of Borrowers a) To conduct pre-approval verification (physical or telephonically - as applicable) to assess the accuracy of information provided by the borrower(s). Cross verify credit worthiness, reputation and repayment capacity of the applicant(s). This includes verifying genuineness & reliability and completeness of information on loan documents. b) Ensure existence of borrowers, their business (economic activity) through cross verification of home & business addresses as per credit policy /procedures. Interact with applicants(s) and properly document the observation if any. c) Ensure to assess customer's knowledge of the business and purpose of the loan usage. Verify and assess the credit history of the applicant w.r.t CIR (as applicable) in line with Prudential Regulation / Credit Policy / Procedures. d) Ensure vigilance & identify serious non-compliance issues during verifications & document the observation(s) and report to line Managers immediately. Credit Culture & Compliance of Prudential Regulations/Credit Policy/Procedures a) Inculcate culture of credit compliance in line with bank's policy / frameworks / prudential regulation / guidelines; c) Adherence of Credit Policy/ / Procedures / Guidelines circulated from time to time. d) Ensure Credit Policy & Procedural changes are implemented in branches circulated from time to time; e) Ensure that exceptions are obtained and documented as per policy before approval. Gold Smith Onboarding/Gold Assessment a) At the time of onboarding goldsmiths on the branch panel, VO to physically verify his credentials as per the banks policy. b) Conducting Quarterly Verification of Goldsmiths and dispatching verification reports to HO. Supervise gold auction process.
- Requirement: Hold a Bachelor's degree from a reputable Institution in the fields of Business Administration/Banking & Finance/ Agriculture/Economics/Accounts. Have 1-2 years of credit and / or operations related experience.
- Essential Skills:
- Micro Finance Banking experience
- Sound communication and interpersonal skills
- Ability to Work under Pressure
- Proficient in MS Office
- Time Management
- Desired Skills: Excellent presentation skills. Ability to work under pressure.
- Academic Qualification: Bachelor's Degree (BBA, MBA, Bcom, Mcom)
- Area of Specialization: Credit Files Document Compliance & Field Work
- Computer Proficiency: Proficient in MS Office
- Other Details/Skills: Micro Finance Banking experience Negotiation Skills Sound communication and interpersonal skills
- Fort Abbas Branch
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