Paarmita Atree

• Verifying documentation for business banking loans and various working capital facilities (e.g., CC, WCDL, LC, BG, EPC, PCFC).
• Ensuring security documentation compliance with terms of sanctions, and liaising with the business team when required.
• Tracking compliance with sanction terms, managing deferrals, and discrepancies in documentation.
• Ensuring the execution of constitutional documents and authorization processes for facility creation and collateral documentation.
• Coordinating document filings, including CERSAI and ROC forms, as required by regulatory standards.
• Monitoring and managing deferrals, ensuring timely tracking and closure in accordance with sanction conditions.
• Identifying and escalating discrepancies, ensuring adherence to sanction terms and conditions.
• Maintaining stock statement statistics, calculating drawing power, and providing updates to relevant teams.
• Handling document management and ensuring legal and regulatory compliance.
• Providing credit limits based on asset analysis (fixed, movable, stock, and book debts). Facilitating disbursement processes, including verification of post-dated cheques, and coordination with sales and credit teams.
• Managing the end-to-end credit process, from sanction note scrutiny to loan disbursal, renewal, and enhancements for Corporate Banking.
• Generating sanction letters, ensuring all terms and conditions are included for pre- and post-disbursal of facilities.

• Collect and prepare all necessary documentation for the loan package.

• Research applicant credit status and current financial position.

• Prepare and maintain all paperwork for existing and new loans, including loan disclosures.

• Complete loan contracts and ensure clients are kept informed of the rules and requirements and reduce the TAT by 30% by streamlining the processes

• Work with clients to establish their needs and recommend suitable types of loans.

• Submit files to the designated Underwriter.

• Conduct interviews to assess client eligibility for loans or mortgages.

• Ensure you comply with the established regulations and law requirements.

• Follow-up with clients to verify important information and ensure 100% acccuracy on KYC and AML standards

• · Manage & Supervise- operations in Branch with an objective of delivering timely, efficient & productive processing service within the statutory, regulatory and operation norms of Bank.
• · People Management- Coach, counsel, guide and motivate team members, set targets, monitor performance, define work processes / systems and create a performing team with conducive work environment. Ensure that the Branch meets the BQ score of 96%
• · Branch Administration Ensure proper upkeep of branch premises, Housekeeping, Leave Records, Vendor Management etc. Support Branch Head in sales promotions activities, display of branch merchandise, monitor administration budgets and ensure all branch activities are resourced within targeted financial costs.
• · Compliance :- Handle all legal, regulatory, ED, notices end to end and ensure prompt revert to such notices. Ensure all notices are timely logged into Service Desk, Raise Red Flags for all unusual and suspected transactions and ensure no fraudulent transactions take place in the Branch. Responsible for Internal Audit Ratings (minimum of 92%).

· Transactions :- Monitor, track and adhere to daily responsibilities, oversee processing of transactions, manage ATMs/Cash/lockers, authorize and verify branch instructions, monitor adherence to processes, resolve escalated issues in order to ensure timely and effective execution of transactions.

· Customer Service :- Set service standards, ensure resolution of customer grievances, monitor customer services by team, address escalated issues and thereby ensure smooth relationship with clients.

· Generate Customer Leads: Identify customers, call & fix meetings, prepare & make presentations, collect client requirements & other related information e.g. Other banks with which they have business, identify possible products for client, pass the lead to the concerned person & follow up for closing the deal In order to ensure the branch targets & strategies are met. Ensuring the benchmark of FTR % is met.