DM/ AM

Job Description

Operational Responsibility: • Ensure all post sanction & disbursement instructions issued by Mid-office through Disbursement Notice are processed as per extant internal guidelines and Bank's credit policy • Creation & setup of Fund Based & Non Fund Based facilities in CBS • Booking of loan/ disbursement (INR & FCY) in CBS along with setup of repayment schedule • Implementing restructuring of loans in line with sanction in CBS • Roll-over of loans, prepayment, part-payment and recovery of due/overdues • Capturing critical information related to borrower and facility so to ensure smooth and correct regulatory & internal reporting • Computation of drawing power basis stock statement and cashflow statements • Limit maintenance & monitoring in CBS basis drawing power • Booking of Income (Fee/Charges/Interest) in CBS and managing receivables • Handling of NPA, write-off accounts and recoveries thereof • Monitoring & tracking of covenants as per sanctioned condition • Preparation of report/ MIS for various internal & external reporting Systems & Control Process: • Ensure ZERO DEFECT in capturing details in CBS basis details mentioned in DN and/or other peripheral systems. • Ensure that there are Nil write offs / P & L hits on account of operating errors. Any potential loss events observed should be reported & mitigated. • Monitoring of self productivity (number of cases processed & TAT) • Monitoring of internal accounts & suspense accounts of the unit. Ensure no unidentified amount parked in internal accounts owned by the Unit. • Responsibility of voucher management including storage and offload to vendor Governance & Compliance Responsibility: • Read, imbibe all internal process, Credit Policy, Operational Risk policy & RBI regulations impacting post sanction activities. • Periodical certification on BAU activity to progress towards SME • All transactions are carried out in line with internal process with Nil deviations. Any deviations (if any) is carried out with adequate approvals • Timely & accurate regulatory & internal management reporting • Timely closure & periodical reconciliation of open exceptions • Support Unit & other business functions in preparation of any audit related deliverables and attend to any audit findings and resolve them immediately