3 - 5 years

Chartered Accountant (C.A.)

CAD- CAD Ops

8 lkh ~ 9 lkh

Job Responsibilities(JR) :

Actionable



Processing Teams \xe2\x80\x93 CAMs/Limit release/Post monitoring Unit

• Checking the CAM / approvals for adequacy of approvals basis Credit Policy & Procedure Manual / Product Program.

• Checking the covenants in the CAM / approvals.

• Checking the CAM / CRI sheet for completeness of data to facilitate data capture in core system / CLIMS.

• Checking for RAM rating details which have a bearing on approval matrix.

• Checking for reject database confirmation by Credit.

• Secondary check of security documents for correctness & completeness vis-\xc3\xa0-vis stipulations in CAM / Product Program & legal requirements like stamping, execution, & enforceability.

• Validating discrepancy, if any, identified in CAM / security documents by inputter.

• Authorizing limit in core / support system post closure of discrepancies, if any, within agreed TAT & with 100% accuracy.

• To ensure correct updation of critical fields in Core system & CIMS, like NPA Rule id, Security Value linkage, RAM rating, etc.

• Second level checking CHG-1 & CHG-4 for creation & satisfaction of charge with ROC.

• Checking & authorization of Stock statements, Insurance Policies in Clims and according authorize any change in Limit as well as freezing of limits where applicable.

• Authorizing updation in CLIMS & other satellite systems basis inputting done by ADFC staff in an accurate & timely manner w.r.to stock statement, Insurance, statements, Call memo, etc.

• To ensure that there is no mismatch in limit setting between core system & CLIMS.

• To ensure that all deferrals are correctly tracked in CLIMS.

• To ensure correct & timely closure of document deferrals in CLIMS.

• To check & authorize the data captured in CLIMS, as they have a direct bearing on various board / regulatory reporting.

• To attend first level escalations from RM w.r.to acceptance of a document & TAT.

• Accurate & timely tagging of CAM in CLIMS.

• To ensure timely receipt & safe custody of security documents.

• To ensure correct security linkage to facilities for accurate computation of CAPAD / RAROC.
  

Mortgage

• First / Second check of Title Search Report (TSR) submitted by bank\xe2\x80\x99s empanelled advocate.

• Liasing with advocate/valuers for early revert/referring the matter to internal legal/credit for clarification.

• First / Second check of Valuation report submitted by bank\xe2\x80\x99s empanelled valuer.

• First / Second check of Memorandum of Entry (MoE) & declaration.

• Preparation / Checking the MOE/declaration executed at other regions and give clearance of mortgage.

• Raising queries, if any, to advocate / valuer with a cc to RM, and coordinating for resolution.

• First level checks for filing of charge with ROC.

• Tracking of deferral for form 8/notification/registration of mortgage.

• Authorization of updation of Property Master in CLIMS.

• Authorization of CERSAI updation / Modification / Satisfaction and Reconciliation.

• Tracking for intimation / registration of mortgage, wherever applicable.

• Identifying cases eligible for legal audit.

• Preparation of data to be submitted to audit committee of Board for legal audit.

• Checking the revert for audit queries
  

• Call back
  

• Call Back of updation of critical fields in CLIMS by processing team, like RAM rating, security value, security linkage, PANo., etc.

• Call Back of Core System report \xe2\x80\x93 domestic & overseas \xe2\x80\x93 in a time-bound manner for correct limit & line.

• Checking for correct updation of critical UDFs like UCC, NPA Rule id, etc. in core system.

• Checking for updation of other important fields in CLIMS.

• Sending mails to processing team with details of anomaly observed.

• Participation in important projects / aiding in housekeeping activities.

• Review of timely reverts from Processing team after appropriate rectification of anomaly highlighted
  

Internal & Regulatory Reporting

• Preparation of critical & major Control Reports like TOD\xe2\x80\x99s, Deferrals, Transactions without Limit, Case Creation, Unauthorized Entries, etc and published at various frequencies to the senior management and internally.

• Preparation of critical & major MIS Reports like Priority Sector Lending, Industry & Grading, Capital Market Exposure, Real Estate Exposure and published at various frequencies to the business segments, senior management, board as well RBI and other external authorities.

• Handling important ad-hoc requirements from senior management, various business segments, Credit & inter departmental.

• Liaising with various departments & follow-up for collation and preparation of regulatory data.

• Handling overseas reporting for Hong Kong & Bahrain.

• Daily uploading of Intraday Limits in Intraday Utility