Authoriser -cad - Mumbai

**Responsibilities**:
**Processing Teams CAMs/Limit release/Post monitoring Unit**

1. Checking the CAM / approvals for adequacy of approvals basis Credit Policy & Procedure Manual / Product Program.
- 2. Checking the covenants in the CAM / approvals.
- 3. Checking the CAM / CRI sheet for completeness of data to facilitate data capture in core system / CLIMS.
- 4. Checking for RAM rating details which have a bearing on approval matrix.
- 5. Checking for reject database confirmation by Credit.
- 6. Secondary check of security documents for correctness & completeness vis-vis stipulations in CAM / Product Program & legal requirements like stamping, execution, & enforceability.
- 7. Validating discrepancy, if any, identified in CAM / security documents by inputter.
- 8. Authorizing limit in core / support system post closure of discrepancies, if any, within agreed TAT & with 100% accuracy.
- 9. To ensure correct updation of critical fields in Core system & CIMS, like NPA Rule id, Security Value linkage, RAM rating, etc.
- 10. Second level checking CHG-1 & CHG-4 for creation & satisfaction of charge with ROC.
- 11. Checking & authorization of Stock statements, Insurance Policies in Clims and according authorize any change in Limit as well as freezing of limits where applicable.
- 12. Authorizing updation in CLIMS & other satellite
- systems basis inputting done by ADFC staff in an accurate & timely manner w.r.to stock statement, Insurance, statements, Call memo, etc.
- 13. To ensure that there is no mismatch in limit setting between core system & CLIMS.
- 14. To ensure that all deferrals are correctly tracked in CLIMS.
- 15. To ensure correct & timely closure of document deferrals in CLIMS.
- 16. To check & authorize the data captured in CLIMS, as they have a direct bearing on various board / regulatory reporting.
- 17. To attend first level escalations from RM w.r.to acceptance of a document & TAT.
- 18. Accurate & timely tagging of CAM in CLIMS.
- 19. To ensure timely receipt & safe custody of security documents.
- 20. To ensure correct security linkage to facilities for accurate computation of CAPAD / RAROC.
- **Mortgage**

1. First / Second check of Title Search Report (TSR) submitted by banks empanelled advocate.
- 2. Liasing with advocate/valuers for early revert/referring the matter to internal legal/credit for clarification.
- 3. First / Second check of Valuation report submitted by banks empanelled valuer.
- 4. First / Second check of Memorandum of Entry (MoE) & declaration.
- 5. Preparation / Checking the MOE/declaration executed at other regions and give clearance of mortgage.
- 6. Raising queries, if any, to advocate / valuer with a cc to RM, and coordinating for resolution.
- 7. First level checks for filing of charge with ROC.
- 8. Tracking of deferral for form 8/notification/registration of mortgage.
- 9. Authorization of updation of Property Master in CLIMS.
- 10. Authorization of CERSAI updation / Modification / Satisfaction and Reconciliation.
- 11. Tracking for intimation / registration of mortgage, wherever applicable.
- 12. Identifying cases eligible for legal audit.
- 13. Preparation of data to be submitted to audit committee of Board for legal audit.
- 14. Checking the revert for audit queries
- **Call Back**

1. Call Back of updation of critical fields in CLIMS
- by processing team, like RAM rating, security value, security linkage, PAN No., etc.
- 2. Call Back of Core System report domestic & overseas in a time-bound manner for correct limit & line.
- 3. Checking for correct updation of critical UDFs like UCC, NPA Rule id, etc. in core system.
- 4. Checking for updation of other important fields in CLIMS.
- 5. Sending mails to processing team with details of anomaly observed.
- 6. Participation in important projects / aiding in housekeeping activities.
- 7. Review of timely reverts from Processing team after appropriate rectification of anomaly highlighted
- **Internal & Regulatory Reporting**

1. Preparation of critical & major Control Reports like TODs, Deferrals, Transactions without Limit, Case Creation, Unauthorized Entries, etc and published at various frequencies to the senior management and internally.
- 2. Preparation of critical & major MIS Reports like Priority Sector Lending, Industry & Grading, Capital Market Exposure, Real Estate Exposure and published at various frequencies to the business segments, senior management, board as well RBI and other external authorities.
- 3. Handling important ad-hoc requirements from senior management, various business segments, Credit & inter departmental.
- 4. Liaising with various departments & follow-up for collation and preparation of regulatory data.
- 5. Handling overseas reporting for Hong Kong & Bahrain.
- 6. Daily uploading of Intraday Limits in Intraday Utility
- **Educational Qualifications**
Graduation:

- Post-Graduation:

- **Key Skills**:

- Banking Product & Process Knowledge
- Planning and Organizing Skills
- Communication