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Sourcing
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File checking for document sufficiency as per the policy.
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Feedback the upfront discrepancies to the sales team.
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Create the file on processing system / tracking systems.
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Handling credit tools such as CAM.
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Doing reference check, Cash flow analysis & Doing collateral verification
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Analyzing Credit worthiness of the Customers on the basis of Banking, Salary Slips and other income docs.
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Calculation of Debt burden and analyzing Credit worthiness of the Customers on the basis of previous Track records
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Preparation of Credit Appraisal Memo & forwarding the same case once it’s cleared to Cluster Manager
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Maintaining TAT for approval
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Pre and Post disbursement
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Verification of the Post Approval Documentation along with any Subject to Condition Approval requirements.
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Ensure the completion of Risk Screening (FCU) process for all files
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Post Disbursal Documentation
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End Use Verification
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Maintain audit and compliance.
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Responsible for collection.
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