Website HBL

Review the credit proposal to ensure completeness and being error-free whilst also ensuring that all the credit proposals (CP) are approved by relevant stakeholders as per the policy.

Ensure filing/registration of bank’s charge with concerned authorities and completion/perfection of securities in terms of approval before line release.
To ensure post disbursal monitoring of deferrals and/or securities as per terms of approval / frequencies defined in Credit Policy, Credit Procedures Manual and CAD Internal Process Manual.
Daily review of transactions and sign-off on ATs/ OTs, referral card, deal tickets in accordance with procedural guidelines with no exceptions.
Maintain sufficient stocks/inventory of all finance and security documents to facilitate timely disbursements. Physical inventory/break-up of documents must reconcile at all time, with the available balance in the system
Timely highlight the exceptions/ deficiencies in the finance documents, escalation to line management, follow-up and its ratification.
Ensure records are accurately classified and up to date in the system.

To handle all functions related to assignment and completion of legal procedures, valuation, muqaddam, stock inspection, surveyors etc. with close liaison within agreed time frame/TAT, as per agreed SLA and problem resolution etc.
To conduct joint visits with Business for physically verifying the property, documenting their observations and performing a sanity check on valuation

Periodical evaluations of stock reports and Insurance Policies in terms of procedural guidelines, its DP adjustment, follow-up management and reporting of exceptions in CAD Monthly updates
Complete pledge management including handling of outsourced agency (muqaddam) affairs, periodical DP monitoring, DO issuance & timely reporting of shortfall/forced lifting cases

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