Ankana Roy

Designation: Deputy Manager

Key Responsibilities:

• Evaluate client credit worthiness by conduct comprehensive 360 degree customer credit assessments, including financial statement analysis, background verification and repayment capacity check.
• Managing day to day operations, including cash handling, disbursement, Mis maintenance
• Ensure strict adherence to company policies, internal procedures and regulatory requirements.
• Review delinquency levels and manage portfolio quality
• Maintain branch PDD to an acceptable limit.
• Work with sales, collection team to streamline processes and support business goals.
• Developed and implemented process improvements to streamline financial operations and increase efficiency.

Designation: Junior Executive

Core Operations Activities

• Prepare Post Sanction documents of KCC and hand over to RM for Execution.
• Check the document submitted by sales as per sanction term and condition and if it match, than complete account opening data Entry in LOS.
• Disbursement of Takeover of Loans from Different Bank.
• Handling of post disbursement activity like PDD, Release Letter, RC Copy, Disbursement delivered order, B1,P2, Khasra, Khatoni updating.
• Scrutiny and strictly compliance of KYC Norms, Thoroughly checking of account opening from KYC document before processing , Completeness of application from and document for opening the account within TAT, Checking fund before process the account.
• Create entry in TRACE for all documents to be sent central repository
• Arrange documents in file order of DER and dispatch through authorized courier agencies.

Key Responsibilities:

• Conducting Pre Sanction and Post Disbursement Sampling of Loan Files for HL, LAP & Business loans (kyc, Income Docs, Property Docs etc.)
• Reviewing Documents (visiting Issuing Authorities if necessary) to ensure Authenticity and Identifying Discrepancies.
• Creating Mis Reports, Documenting investigation findings.
• Adhering to SOPs and regulatory standards sets by Bank.

Key Responsibilities:

• Sale, Purchase, Drug Composition entry.
• Expiry entry & billing.
• Cheque issuance & vendor management.