Senior Officer Retail Credit Admin.

Job Purpose

•    100% double checking of cases for more than particular amount (as agreed) for all products. 
•    Reviewing the cases to ensure that all product parameters and policy criteria are met.
•    Ensuring that all financial transactions are made on approved documents to complete the disbursement / maintenance.
•    Checking all types of reports on daily basis to ensure all transactions have been passed against the proper documents.
•    Ensuring that all documents against disbursed cases have been checked as per bank policies.

•    Conducting proper checking of all lending products in compliance with the disbursement instruction while reviewing cases on an online basis.
•    Checking posted transactions and ensuring that they are made through vouchers with appropriate supporting document which are prepared and duly approved concerning all lending products.
•    Review and authorize all post disbursement maintenance activities (e.g. early settlement, rescheduling, write-offs, due date changes, reversal of transactions) for all lending products, while ensuring compliance within approved charter of authorities and ensuring risk oriented issues are escalated to the Team Leader.
•    Ensuring proper booking of all lending products, overdrafts, etc. in compliance with the disbursement instructions.
•    Preparing the department daily , weekly and monthly reports 
•    Preparing the department CBE related reports
•    Establishing authenticity of the information provided and ensuring that no case passes fraudulently.
•    Re-analyzing of all cases above a particular amount within one business day and reporting the results to the Team Leader.
•    To highlight the repetitive mistakes done by evaluators to the Team Leader who will put action plan to minimize the errors.
•    Re-assuring the correctness of booking for all products and forward all cases to lodgment.

•    Understanding the policies and parameters of various products along with disbursement and maintenance process and be able to transact within the system and tackle day to day system based hindrances.
•    Checking and analyzing the errors committed at the various stages and suggesting for methods of improvement of the same along with the maintenance of a daily MIS report for tracking the errors of the evaluators.