6 Post Disbursement Jobs

Role & responsibilities Verification of executed legal documents as per Documentation Grid released by the legal team from time to time & Sanction Letter / Term Sheet issued by the business / credit team. Stamp Duty as per Legal Stamp Duty Grid is adhered too. Limits & Collateral Maintenance. CERSAI Maintenance. (Charge Creation & Release) Checker for Mortgage, Hypothecation & Intangible assets - basis terms of sanctions. Updating of PSL for CCOD product basis the PSL template received from business along with TS / SL. Insurance Policy Maintenance (basis terms of Sanction) - information to centrailzed insurance policy maintenance desk. Preparation and releasing the Disbursement Advice to Loan Maintenance Team for disbursement of loans in LPS. (Wherever there is a term loan / WCDL facility at the time of limit setting), Limit loading Instructions (LLI) to Treasury team for treasury products & CMS team for CMS products. Insertions (documents received post disbursement). Deferral Closures (post receipt of requisite document from Business Unit against deferral obtained). Tracking of post disbursement conditions related to Wholesale & Commercial operations in DRS as pre-approved. Handover of Files (All documents except Title Deeds) & Dockets (Title Deeds Property wise i.e. for every property mortgaged separate docket is a must) including insertions to DMT for further action & receipt of acknowledgement in ET / Register (in case of non-ET transactions, if any). Handover of PDC / SPDC’s to the Vendor on a weekly basis & receive acknowledgement. Liaison with Auditors & Ensure no audit queries. MIS (Daily Reporting, Pending Status, Insertions). Confirmation to DMT for Release of property & verification of the property documents before releasing to customer / RM / customer service. Signatories for issuance of sanction letter are in accordance to the list of signatories provided by Business & Credit Preferred candidate profile Detail oriented and ability to multi-task Good Interpersonal skills and ability to work in teams Excellent Communication Skills

Roles and Responsibilities Assist in post-disbursement activities, including document verification and loan processing. Perform data entry tasks accurately and efficiently. Ensure timely completion of assigned tasks within given deadlines. Maintain accurate records and reports for auditing purposes. Collaborate with team members to achieve process goals.

Key Responsibilities: Loan Application Review : Ensure loan applications and documents are accurate, complete, and comply with guidelines. Credit Risk Analysis Support : Assist in evaluating creditworthiness and conduct due diligence on borrowers. Documentation and Agreement Handling : Draft, execute, and store loan agreements and collateral documentation. Disbursement Processing : Coordinate timely loan disbursements and ensure pre-disbursement formalities are met. Post-Disbursement Monitoring : Track loan repayments, follow up on overdue payments, and ensure recovery compliance. Compliance : Ensure adherence to legal, regulatory, and internal policies. Customer Service : Address customer queries regarding loan terms, repayment, and documentation. Reporting : Prepare reports on loan status, delinquencies, and assist in audits. Qualifications: Education : Bachelors degree in finance, Accounting, Business Administration, or related field. Experience : 2-3 years in credit administration or loan processing in an NBFC or financial services company. Experience in education loans, overdrafts, or loans against property is preferred.

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. This includes setup of fund based & non-fund based facilities, disbursement of loans, loan servicing (rollover/recovery/prepayment/drawing power computations/ modifications in existing loan). Implementing restructuring of loans in line with sanction conditions in CBS Capturing critical information related to borrower and facility so to ensure smooth and correct regulatory & internal reporting Ensure no income leakage - booking of Income (Fee/Charges/Interest) in CBS and managing receivables Handling of NPA, write-off accounts and recoveries thereof Superior & efficient stakeholder engagement. Conduct frequent interactions with stakeholder to understand the requirement & addressing concerns, if any. Process management & re-engineering Systems & Control Process : Drive & monitor the team for 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. Identify potential risk items in existing process & processing methods to develop suitable mitigants Monitoring of team productivity & efficiency 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. Mentoring & guiding team over such policies in efficiently executing their assigned task Timely & accurate regulatory & internal management reporting Tracking of all open Audit/ OR/Compliance points and to close them within the target dates Develop a culture of Zero Non-Compliance 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 HR Practices : Attract, mentor, groom and retain talent Periodical training of team members on domain & functional knowledge Engage with team via conducting daily huddles/ Product of the Week/ Monthly Activities Adherence to HR policies released from time to time Adherence to YES Personality guidelines & Code of Conduct Ensure timely escalation and constructive feedback on issues impacting business Build knowledge based best practices for constantly improving productivity of the team.

Skills Skill Highest Education No data available Working Language No data available Job Description Handling IBL,MSME, SME, HOME LOAN(HL)And JLG Product Loan Files Preparing Daily / Monthly MIS Reports Through Checking of All The Files And Ensure The Data is Complete And Relevant Customer KYC and Secondary Documents Checking Documents Query Related Mails Co-ordination With State Head and Sales Team Updating Sanctioned Customers Details in The System Track Pending Documents Related to Disbursement / Post Disbursement Preparation and Despatch of Welcome Letters

Job Title: Credit Administration Officer Department : Credit Risk / Loan Processing Location : Lower Parel, Mumbai. Employment Type : Full-time About Us: We are a fast-growing Non-Banking Financial Company (NBFC) offering a range of financial products, including education loans, overdrafts, and loans against property. Our goal is to empower individuals and businesses with tailored financial solutions. Position Overview: We are seeking a detail-oriented Credit Administration Officer to manage loan administration in Education Loans, Overdrafts, and Loans Against Property. The role ensures compliance with policies, regulatory requirements, and industry standards throughout the loan lifecycle. Key Responsibilities: Loan Application Review : Ensure loan applications and documents are accurate, complete, and comply with guidelines. Credit Risk Analysis Support : Assist in evaluating creditworthiness and conduct due diligence on borrowers. Documentation and Agreement Handling : Draft, execute, and store loan agreements and collateral documentation. Disbursement Processing : Coordinate timely loan disbursements and ensure pre-disbursement formalities are met. Post-Disbursement Monitoring : Track loan repayments, follow up on overdue payments, and ensure recovery compliance. Compliance : Ensure adherence to legal, regulatory, and internal policies. Customer Service : Address customer queries regarding loan terms, repayment, and documentation. Reporting : Prepare reports on loan status, delinquencies, and assist in audits. Qualifications: Education : Bachelors degree in finance, Accounting, Business Administration, or related field. Experience : 2-3 years in credit administration or loan processing in an NBFC or financial services company. Experience in education loans, overdrafts, or loans against property is preferred. Why Join Us? This is an excellent opportunity to be part of an emerging NBFC and contribute to its growth in a dynamic environment. If you're looking to grow within the financial services sector, apply now!