Position Title - Operation - Credit Compliance - SCF

Manager Role with leading NBFC.

1. JOB PURPOSE :

To ensure compliances of all internal guidelines with respect to pre & post disbursements, to ensure disbursements are made in accordance with proper documentation. To carry out smooth functioning of the day to day operations process.

2. PRINCIPAL ACCOUNTABILITIES :

Sanction Letter :

- To ensure all the stipulated terms and conditions including security and documentation as per terms of sanction have been incorporated in the Sanction Letter.

- To ensure that the Sanction Letter has been signed by the Authorized signatory & duly acknowledged by Borrower.

Scrutiny of Executed Documents - Loan & Collateral:

- To check that the executed documents - both loan & collateral documents - are in line with the sanctioned terms

- To ensure executed documents are duly signed by an authorised signatory - both at Lender & Borrower's side.

- Responsible to monitor the pending documents & ensure proper credit compliance.

Pre Disbursement Conditions:

- To ensure disbursements are within the approved Limits for the Borrower / Borrower Group

- To ensure all pre disbursement conditions have been adhered to / have been deferred as per the approval matrix

- To ensure that the disbursements are made only on receipt of all pre-disbursement documents

Post Disbursement Conditions:

- To track post disbursement conditions and to check if the documentation is in line with the approved terms eg. Change in Interest Rate, Restructuring T&Cs etc.

- To follow up for pending compliances, if any and to get the same from the respective dealing officers.

- Timely intimate the Operations / Account team for updation of post disbursement conditions having revenue impact in books of A/cs, if any.

SKILLS AND KNOWLEDGE :

Educational Qualifications and Experience :

Qualified - Company Secretary/ Chartered Accountant / MBA Finance with good knowledge of law. Knowledge with respect to RBI guidelines, Companies Act, SEBI etc.

Functional and Behavioral Skills :

- Should have previously worked with bank / financial institution, preferably in Credit or Credit Mid- Office

- Understanding with regard to NBFC / Bank regulations.

- Understanding of SME Loans w.r.t. commercial & legal aspects.

- Good communication skills

- Good analytical capabilities

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