Prasad Patki

Investigation and Recovery:-

1) Verification and investigation of the NPA and call back accounts.

2) Gaining detailed information about the accounts skipped in Quick mortality.

3) Paying regular field visits for accounts treated as NPA and callback.

4) Trace the absconding applicants and initiate the legal process as per Banking norms for recovery of the loan overdue amount.

5) Look after Recovery, Investigation, legal process, for 26 branches.

6) Daily and weekly reporting of the recovery in the NPA accounts and handling recovery for26 branches.

7) Looking Recovery Agency appointment and following up all the agency related work.

8) As per SARFAESI act send 13/2 notices and after 67days taken Symbolic possession.

9) Attend DRT Court also attend Arbitration with banks panel advocates.

10) Any other work when assigned by the higher management and seniors.

1. Explaining the loan policy in detail to the customer with the repayment period, ROI, Eligibility etc.

2. Processing and documentation part of all retail loans and Calculating the Eligibility of the customers for Housing, Car, Personal, Gold loans and over draft facility against FDR, LIC Policy.

3. Creation of New Loan Accounts in system, entering the same in Loan Software, Preparing the note for loan, scanning and uploading the same in the system.

4. Looking up issues regarding Non Issue of Dividend Warrant, Lost Dividend Warrant, Refund of Shares, Calculation the Number of Shares, Calculating the Dividend on shares, Refund of Shares against lost of Original Share Certificate, Refund or surrender of shares in case of Death of Shareholder, address change of the Shareholders.

5. Calculation of Loan Closure Amount, Loan Outstanding Amount.

6. Issuing Provisional Loan Interest Certificate, Preparing loan Foreclosure Letter, Loan Outstanding Letter to the customer as per there specific request.

7. Looking after the Quarterly Provisions, All Ok Reports, MIS Reports.

8. Verifying the Customer Documents with originals and PAN Verification Portal.

9. Scrutiny of all related criteria for car, gold and housing loan and follow-up with the dealers and builders for original documents and original payment receipt.

10. Follow up with the customers for incomplete KYC Documents for Loan.

11. Field Investigation for Home Loans wherever needed, looking after the recovery of the Overdrawn Accounts of Monthly Basis.

12. Review processing and Renewals of all CC accounts to be done with all related documents.

13. Daily Reconciliation of GL/PL Heads related to Loan Dept.

1. Scrutiny of all KYC documents i.e ID Proof, Address Proof, Local Address Declaration, Self Certification Sheet, Pan Verification and verification of the same with the originals.

2. Explaining the details about the new account opening for savings and current account to customers i.e. minimum balance, documents required, benefits of Elite account compared to savings account.

3. Accepting New Account Opening Forms completely filled with the signs and photograph.

4. Entering the new account opening forms in the account opening software, uploading the required documents in the same.

5. Issues related ATM Cards, Net Banking, Mobile Banking and solving the same by coordinating the IT Department. Explaining in detail how to use the Mobile and Net Banking applications.

6. Issue regarding Real Time Gross Settlement and National Electronic Fund Transfer (NEFT). Stop Payment as per Customer Request, Issuing Demand Drafts, New Pass books with Barcode and Statements to the customers.

7. Issue of New Cheque books, ATM Cards, New pins for Mobile Banking and Internet Banking and Daily Reconciliation of the Parking heads.

8. Reporting the daily status of Number of New CASA Accounts opened in a day, Number of new Mobile Banking Kits issued in a day to the Branch Head and Zonal Office and maintaining separate registers for the same.

9. Looking after address change, mobile number change of the customers, delivery of the pending out ward return cheques, ATM cards, Cheque books and maintaining separate registers for the same.

10. Undertaking AML related investigations arising from Internal Monitoring as well as Adhoc Referral.

11. Escalating and reporting AML and other relevant compliance issues to relevant authorities.

12. Transaction monitoring and identifying suspicious transactions.

SRO