Key Result Areas | Supporting Actions |
KRA - 1 Evaluation - Credit Analysis
Case Analysis using Financial models for Promoter Group, Micro-market and Transaction structure | - Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation.
- Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations
- Liaison with external agencies for due diligences - legal, technical, valuation, financial diligence, etc.
- Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review
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KRA - 2 Evaluation - Note Preparation
Case Underwriting within guidelines of regulatory framework and ABFL polices | - Preparing Credit Assessment Memo for transactions
- Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management.
- Issuance of sanction Letter to the customer as per the note prepared and sign-off provided.
- Initiate framework for Post disbursement monitoring activties
- Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review
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KRA - 3 Execution - Case Documentation Case Documentation within guidelines of ABFL polices and framework | - Prepare and execute Pre & Post transaction documentation
- Co-ordinate with customer for information and documentation from login to post disbursement
- Carrying out Post disbursement monitoring activties
- Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures
- Carrying out post closure formalities.
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KRA - 4 Quality Compliance
Customer Back-office coordination on day to day operational activities to align with ABFL compliance policies. | - Processing of Escrow fund transfers on daily basis
- Processing of NOC requests on daily basis
- Collection, evaluation and follow up with internal / external environment for following activities:
- Sales MIS - to be obtained from customer on monthly basis
- COP & MOF - to be obtained from customer on quarterly basis
- Subsequent progress reports - to be obtained from valuer on quarterly basis
- Opening and Activation of Escrow Accounts
- Tracking and closure of PDDs
- EMI / Interest dues / LOC dues presentation - to be obtained from operations and collected from customer on monthly basis
- Legal Diligence & Technical / valuation reports
- Calculation, maintenance and release of DSRA
- Maintenance of tracker for Insurance policies of funded cases
- Audited Financials of borrowers / guarantors - to be obtained from customer on annual basis
- TDS reconciliation - to be obtained from customer on quarterly basis
- Credit Application & Processing in system
- Providing Statements of Accounts and Balance confirmations to customer.
- Providing Credit Information Reports to other lenders.
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KRA - 5 Quality NPA, SMA2
Compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies | - Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
- Ensure the maintenance of acceptable asset quality of CF loans track delinquencies closely so as to minimize NPA levels
- Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors and highlight early warning signals
- Understand local currents and risk factors, providing an input to take decisions on new and existing loans
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