Job Description :Processing Teams CAMs/Limit release/Post monitoring Unit1 Appropriate floor management to ensure that files are processed in FIFO basis and as per agreed TAT 2 Ensuring correctness & completeness of security documentation as per CAM, Credit Policy & Legal opinion 3.
100% accuracy in setting limits in core / other support systems that have financial impact 4 100% Accuracu in Stock statements, insurance, LAD updation and other post monitoring activities5 Co ordinating with Business/Credit/Legal for all SBLC/SBBG related matters and act as a custodian 6 Coordinating with Credit / Legal for appropriate clarifications suo moto / basis business contention.
7 Handling complicated / unique cases & providing guidance to inputter / authorizer 8 Ensuring that audit queries / observations are addressed in a timely & satisfactory manner To ensure Satisfactory audit rating on an ongoing basis for the function.
9 Digital Signing of CHG-1 & CHG-4 for creation & satisfaction of charge with ROC10 Understanding & implementing process changes necessitated by change in Credit policy, legal requirement & / or business dynamics, and ensuring ongoing adherence basis periodic reviews 11.
Ensuring adherence to processes, particularly with reference to Basel requirements, on a continual basis To work closely with Basel team to identify areas for automation / mistake-proofing, to reduce probability of wrong data capture12 Chipping in as authorizer as & when situation demands13.
Conducting periodic meetings with business segments to elicit feedback, share concerns, etc 14 People management skills to know the art of taking the team along, groom them with appropriate exposure, show a career path, reward & recognize suitably, encourage to take up higher responsibilities, appropriate on-boarding of new staff, work-life balance, training, mandatory leave / Comp-off, team cohesiveness, etc 15 Undertake projects / periodic housekeeping activities to ensure data relevance in a dynamic business environment.
16 Reviewing team members performance against mean, and adopting suitable corrective measures to reduce overall span 17 Proactively indentify automation opportunity, review & make processes lean for better TAT & customer delight 18.
Identify areas for enhanced controllership, cost reduction, productivity improvement, etc 19 Monitor all internal MIS reports as & when published, to promptly rectify & also fix process gaps, if any Mortgage 1 Monitoring the functions of the team / intervening / providing support if needed.
2 Floor management to ensure that distribution of workload is done dynamically to meet TAT committed to Business 3 Circulating the data to all State Heads on a monthly basis for reconciliation of mortgages PAN India4.
Reconciliation of PRPS mortgages with CERSAI 5 Arranging concalls / visiting clients / advocates office for clearance of discrepancies in TSRs / valuation reports, particularly in large value transaction involving multiple properties6 Reviewing draft audit response and submitting the same to audit.
7 Meeting Business segments periodically to feel market pulse & to share Ops concerns, if any To devise methodology in consultation with unit head for operationalizing process changes to meet changing needs of Business, by piloting the changes in a few places & replicating elsewhere after ironing out teething issues Call back1 Ensuring timely completion of Call Back activity on an ongoing basis by suitable prioritization 2.
Ensuring that Call Back findings are highlighted to Pocessing team in a time-bound manner 3 Reviewing & ensuring receipt of compliance response from processing team 4 Escalating errors involving financial impact to processing team, unit head & function head, by mail & in person promptly.
5 Proactively identifying areas which could be brought under the scope of Call Back 6 Periodic feedback to seniors in processing unit wr.
to critical / oft-repeated errors, for deployment of suitable measures for non-recurrence 7 Ensuring periodic rotation of Call Back staff Reviewing performance of Call Back staff, and reiterating important processes on a systematic & periodic basis for religious adherenceInternal & Regulatory Reporting 1 Reviewing and supervision of critical & major MIS Reports like Priority Sector Lending, Industry & Grading, Capital Market Exposure, Real Estate Exposure and published at various frequencies to the business segments, senior management, board as well RBI and other external authorities.
2 Reviewing and supervision of critical & major Control Reports like TODs, Deferrals, Transactions without Limit, Case Creation, Unauthorized Entries, etc and published at various frequencies to the senior management and internally3 Monitoring and co-coordinating for ad-hoc requirements from senior management, various business segments, Credit & inter departmental4.
Liaising with various departments & follow-up for collation and preparation of regulatory data5 Reviewing and supervision of overseas reporting for Hong Kong & Bahrain6 Reviewing and supervision of circulation for Exchange of Information to Clients and Member Banks.
7 Reviewing and supervision of CIBIL Reporting8 Supervision of Reconciliation of Interest Rates set in the system for Cash Credit & Overdraft facility accounts9.
Reviewing and checking the Reconciliation of Priority Sector Lending flag set in the system at Contract level and Limit Level10 Monitoring of Reconciliation of Mortgage Documents held at different vault locations11 Monitoring of Reconciliation of Fixed Deposits held as a security in the systems.
12 Monitoring of Daily uploading of Intraday Limits in Intraday Utility for Corporate & ECG clients13 Checking of weekly report of Bank-wise Limits released and utilizationSkillsBanking Product & Process KnowledgeProduct and Regulatory KnowledgePlanning and Organizing SkillsCommunicationKnowledge of Competition & Current trends in financial Industry.