WBO:MWBC Head

Overall supervision of the Corporate Banking Branch.

Responsible for the smooth functioning of a CBB

Leading a team of officials carrying out credit related specialised activities in the cadre of AM to VP.

Maintaining highest level of customer service (both internal and external customers).

Liasioning with Business teams (CBG, WBCG), Audit, Legal, etc.

Responsible for effective functioning of the CBO Operating unit by ensuring timely disbursement and customer service

Responsible for pending security creation

Achievement of overall TxB Fee Income Budget Achievement

Achievement of SME Topline Budget Achievement

Overall responsible for various activities carried out as under by

- Service Relationship Managers in the cadre of Manager to DVP who directly report to CBB Head

- Credit Delivery Officials and Credit Monitoring Officials in the cadre of AM to DVP who reports to Head Credit Admin (VP/DVP) who in turn reports to CBB Head

Obtention of Stock Statements, Insurance Policies, ABS, FFR, Stock Audit Reports, LIE/Project Progress Report

Undertaking analysis of ABS, FFR, Stock Audit Reports, LIE/Project Progress Report analysis/reviews

Conduct of unit inspection

Acting as an interface to the client and ensure efficient customer service

Interact with the Borrower to obtain pre-requisites for disbursement and ensure timely disbursement

Follow up for perfection of security

Monitoring and tracking of high value transactions in the accounts Monitor transactions in ESCROW/TRA account.

Recovery of interest and instalments on due dates.

Recovery of penal interest.

Maintaining records for unit & collateral inspections and triggering list of inspections due.

Track receipt of due diligence reports.

Trigger stock audit, revaluation

Handle ECGC: Pay premium to ECGC at monthly intervals and intimate renewal to ECGC

Recovery of charges as per Bank's schedule of charges

Process applications received for vendor empanelment

Tracking Export Order for packing credit disbursement

Stressed Assets Management and handling of income reversal transactions

Scrutiny of Sanction and preparation of Facility/Mortgage documents Incase of take over, seek credit opinion report from transferror bank

Scrutiny of Executed Documents and Security creation

Ensuring compliance of sanction covenants

Provide documentation certificate and KYC confirmation to OCL loans for opening of accounts

In case of multiple/consortium banking, Co-ordinate with other lenders for issuance of Pari-Passu/NOCs

Arrange to file charge with Registrar of Companies, obtain confirmation, conduct search post filing of charge, obtain the report for records

Compliance of pre disbursement covenants

Recovery of fees as stipulated in sanction and as per Bank's schedule of charges

Accord credit approval for TF transactions

Effecting disbursement

Prepare AOD on renewal of limits and get executed through SRM and keep executed AODs in safe custody

Finacle updation at various stages

Handle credit/concurrent audit and arrange for compliance of adverse observation

Conduct legal audit and prevent income leakage.

TAT Maintenance & Adherence to SLA

Limit Node Maintenance & ROI Updation

Graduation/ Post-Graduation from a recognized institute

12-15 years in a relevant role

For successful execution of the job, the candidate should possess the following:

Knowledge of banking products and services

Knowledge of regulatory guidelines and norms

Good communication (both verbal and written) skill in both English and the local language

Ability to manage complex client situations

Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

Ability to handle pressure and meet deadlines