Pallab Saikia

• Undergoing various circulars/policies of the Bank.

• Carrying out audits of bank branches / various units (e.g., ATM / Gold Loan) independently. Carrying out audit as per audit checklist / standard audit procedures.
• Sampling of data extracted from Core System (as part of pre-audit preparation) to cull-out exceptions.
• Accurate, concise and effective documentation of audit reports on exceptions observed during the course of audit.
• Carrying out discussion with the auditee
  (BM/Unit Head) of the audit observations / findings.
• Assigning of risks to audit observations and arriving at an indicative audit rating (for cases where the overall findings do not indicate serious or critical lapses/reports which are not downgraded).
• Submitting a complete report to reviewer (Team Leader/Zonal Head) for review (including preparation of executive summary).
• Keep updated with regulatory guidelines & management direction.

• Execute branch audits (Risk Based + With Score) as per the Annual audit plan.
• Complete the branch audit within allotted man-days’.
• Identify and highlight discrepancies observed during the Audit to Review Manager immediately for further action.
• Independently draft the Branch Audit reports with accuracy and consistently deliver quality in terms of Audit findings.
• Obtain appropriate management responses with action plan and timeline on all reported discrepancies. Assign the risk category and risk type to each process accurately basis the defined checklist.
• Collecting appropriate evidences/supporting documents either in soft or in hard copy and maintained for future reference for all the reported observations.
• Adhere to the Report issuance defined Turn Around Time (TAT).

Additional Assignments [17-Jan-2021 ~ 22-Jun-2021]

• ACB, FMC and ACE draft / minute preparation.
• Report storage (Hard copy and soft copy)
• Audit Closure and issuance of dealt-with letters to branches.
• Any other duties as assigned by CAVO.

• Conducting Credit Risk Assessment of branches: identify & report internal and external risks.
• Share critical findings and instances of policy/process violation gathered on field with supervisor for discussion in IDM.
• Report alarming issues & early warning signals to the supervisor in a timely manner.
• Visit critical Centre Meetings & report qualitative observation.
• Monitor & report staff quality issues if any, observe understanding of the branch staff on policies/processes, compliance to standardized policies/processes on filed.
• Follow up with Overdue customers for collection of FTODs & early bracket ODs in coordination with Branch staff & Collection teams.
• Visit high ticket size loans independently at the customer place.
• Visit cases escalated by Back-end Credit for field/customer point verification.
• Make suitable recommendation for write off & rescheduling of loans in coordination with Distribution & Collection.
• Monitor error rate of the branches assigned, impart training to branches with high error rate.
• Impart training to branch staffs of assigned branches on policies/process change.