Retail Officer Incharge Sales

Ethos Hr Management & Projects Pvt Ltd
Apply Now 2+ months ago
Job Summary

Designation / Position : Retail Officer Incharge - Sales

Education :Graduate / MBA Finance

Experience: 7 - 12 years

Industry Type : Banking

Job Description

  • Evaluate credit worthiness of borrower and take sound lending decision on available information
  • Scrutinizing the necessary documentations of home loan and Lap proposals.
  • Credit appraisal on the basis of Company s internal credit Policies and offer the right products to Applicants.
  • Cibil/CRIF Checking of Borrowers.
  • discussion (PD) with borrowers on borrowers place.
  • Co-ordination with Panel Advocates for Legal Scrutiny report (LSR), Search Report and Panel
  • Taking custody of Original Chain documents at time of disbursement.
  • Processing conversion of sanctions, proper documentation & disbursement of facilities.
  • Coordinating with customers for compliance with the pre-disbursement and post-disbursement conditions of sanctions.
  • Monitoring of existing accounts, timely payments & recovery of interest, review, renewal & modification of credit facilities
  • Screening of loan Application, KYC & other relevant documents.
  • Conducting PD and field visit to check client requirement & credit worthiness.
  • Evaluate/approve/recommend the loan application as per laid down policies and procedure.
  • Prepare CAM and forward the same to Competent Authority to obtain sanction/approval.
  • Initiate, check and analyze Individual & Commercial CIBIL, RCU, Legal & Technical Report.
  • Manage the entire credit application process right from login to disbursement.
  • Responsible for quality portfolio management, vender management etc.
  • Prepare different types of MIS, reports and maintaining the database.
Experience Required :

7 to 12 Years

Vacancy :

2 - 4 Hires

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