Team Leader - CAD

Processing Teams CAMs / Limit Release / Post Monitoring Unit

• Manage floor operations to ensure

  First-In-First-Out (FIFO)

  file processing and adherence to

  agreed Turnaround Times (TATs)

• Ensure

  correctness and completeness

  of security documentation in line with CAM, Credit Policy, and Legal opinions
• Maintain

  100% accuracy

  in setting financial limits in core and supporting systems
• Ensure

  100% accuracy

  in post-monitoring tasks including stock statements, insurance updates, and

  LAD

  (Letter of Assurance & Delivery) entries
• Act as a

  custodian

  and coordinate with Business, Credit, and Legal teams on

  SBLC/SBBG

  (Standby Letters of Credit / Standby Bank Guarantees) matters
• Proactively coordinate with Credit Legal for clarifications, especially where business contentions are involved
• Handle

  complex and unique cases

  , offering guidance to inputters and authorizers
• Ensure

  timely resolution

  of audit queries and strive for a

  Satisfactory audit rating

  consistently
• Perform

  digital signing of CHG-1 and CHG-4

  forms for creation and satisfaction of charge with the

  Registrar of Companies (ROC)

• Understand and implement

  process changes

  driven by updates in credit policies, legal requirements, or evolving business dynamics, and ensure ongoing compliance through periodic reviews

Mortgage Operations

• Monitor team functions and provide

  intervention and support

  where necessary
• Manage floor activity to dynamically allocate workloads and ensure

  TAT adherence

• Circulate

  monthly mortgage reconciliation data

  to State Heads across India
• Perform

  PRPS mortgage reconciliation

  with

  CERSAI

  (Central Registry of Securitisation Asset Reconstruction and Security Interest)
• Coordinate client and advocate meetings to

  resolve discrepancies

  in

  TSRs

  (Title Search Reports) and valuation reports, especially in

  high-value or multi-property cases

• Review and finalize

  audit responses

  , ensuring accuracy and timely submission
• Conduct

  periodic meetings with Business segments

  to assess market feedback and communicate operational concerns

Internal & Regulatory Reporting

• Review and supervise critical MIS reports such as:

• Priority Sector Lending

• Industry & Grading

• Capital Market Exposure

• Real Estate Exposure

• Ensure these are submitted regularly to business segments, senior management, board, RBI, and other regulatory authorities
• Oversee the preparation and publishing of major control reports including:

• TODs (Temporary Overdrafts)

• Deferrals

• Transactions without Limits

• Case Creation

• Unauthorized Entries

• Ensure timely reporting to senior management
• Coordinate and monitor

  ad-hoc data requirements

  from senior leadership, business teams, Credit, and internal departments
• Liaise with relevant departments and follow up for

  regulatory data collation and preparation

• Supervise and review

  overseas reporting

  requirements for

  Hong Kong

  and

  Bahrain

  offices