Some high
level things you would own but not limited to:
Sourcing
- File checking for document
sufficiency as per the policy. - Feedback the upfront
discrepancies to the sales team. - Create the file on processing
system / tracking systems. - Handling credit tools such as
CAM. - Doing reference check, Cash
flow analysis & Doing collateral verification - Analyzing Credit
worthiness of the Customers on the basis of Banking, Salary Slips and
other income docs. - Calculation of Debt burden and
analyzing Credit worthiness of the Customers on the basis of previous
Track records - Preparation of Credit Appraisal
Memo & forwarding the same case once it’s cleared to Cluster Manager - Maintaining TAT for approval
Pre and
Post disbursement
- Verification of the Post
Approval Documentation along with any Subject to Condition Approval
requirements. - Ensure the completion of
Risk Screening (FCU) process for all files - Post Disbursal
Documentation - End Use Verification
- Maintain audit and compliance.
- Responsible for
collection.
