About the role

WBO:MWBC HeadINTERNAL USAGE:No. of Vacancies:Reports to:CBO - HeadIs a Team leader?YTeam Size:Grade:VP - SVPBusiness:Corporate CenterDepartment:�Wholesale Banking OperationsSub-Department:WBO - CBOLocation:About Wholesale Banking OperationsWholesale Banking Operations manages the entire life cycle of the Wholesale Banking customers, it also caters to the various other requirement of non-retail borrowed accounts under Wholesale banking. The department is responsible for smooth functioning of all the Commercial Banking Operations units and ensure utmost customer (internal & external) satisfaction. They are also responsible for ensuring timely delivery, monitoring the health of the credit portfolio, prompt reporting of irregularities/ adversities noticed and co-ordination in recovery/ legal proceedingsAbouttheRoleCBB handles the requirement of non-retail borrowal accounts under WBCG & CBG Segment during their entire life cycle and CBB Head is responsible for smooth functioning of a CBB and ensure utmost customer (internal & external) satisfaction. He is responsible for ensuring timely delivery, monitoring the health of the credit portfolio, prompt reporting of irregularities/ adversities noticed and co-ordination in recovery/ legal proceedings also.�� Key Responsibilities

� Overall supervision of the Corporate Banking Branch.

� Responsible for the smooth functioning of a CBB

� �Leading a team of officials carrying out credit related specialised activities in the cadre of AM to VP.

� �Maintaining highest level of customer service (both internal and external customers).

� Liasioning with Business teams (CBG, WBCG), Audit, Legal, etc.

� Responsible for effective functioning of the CBO Operating unit by ensuring timely disbursement and customer service

� Responsible for pending security creation

� Achievement of overall TxB Fee Income Budget Achievement

� Achievement of SME Topline Budget Achievement

� Overall responsible for various activities carried out as under by

� - Service Relationship Managers in the cadre of Manager to DVP who directly report to CBB Head

� - Credit Delivery Officials and Credit Monitoring Officials in the cadre of AM to DVP who reports to Head Credit Admin (VP/DVP) who in turn reports to CBB Head

� ��Obtention of Stock Statements, Insurance Policies, ABS, FFR, Stock Audit Reports, LIE/Project Progress Report

� ��Undertaking analysis of ABS, FFR, Stock Audit Reports, LIE/Project Progress Report analysis/reviews

� ��Conduct of unit inspection

� ��Acting as an interface to the client and ensure efficient customer service

� ��Interact with the Borrower to obtain pre-requisites for disbursement� and ensure timely disbursement

� ��Follow up for perfection of security

� ��Monitoring and tracking of high value transactions in the accounts; Monitor transactions in ESCROW/TRA account.

� ��Recovery of� interest and instalments on due dates.

� ��Recovery of penal interest.

� ��Maintaining records for unit & collateral inspections and triggering� list of inspections due.

� ��Track receipt of due diligence reports.

� ��Trigger stock audit, revaluation

� ��Handle ECGC: Pay premium to ECGC at monthly intervals and intimate renewal to ECGC

� ��Recovery of charges as per Bank's schedule of charges

� ��Process applications received for vendor empanelment

� ��Tracking Export Order for packing credit disbursement

� ��Stressed Assets Management and handling of income reversal transactions

� ��Scrutiny of Sanction and preparation of Facility/Mortgage documents Incase of take over, seek credit opinion report from transferror bank��

� ��Scrutiny of Executed Documents and Security creation��

� ��Ensuring compliance of sanction covenants��

� ��Provide documentation certificate and KYC confirmation to OCL loans for opening of accounts

� ��In case of multiple/consortium banking, Co-ordinate with other lenders for issuance of Pari-Passu/NOCs

� ��Arrange to file charge with Registrar of Companies, obtain confirmation, conduct search post filing of charge, obtain the report for records

� ��Compliance of pre disbursement covenants

� ��Recovery of fees as stipulated in sanction and as per Bank's schedule of charges

� ��Accord credit approval for TF transactions

� ��Effecting disbursement��

� ��Prepare AOD on renewal of limits and get executed through SRM and keep executed AODs in safe custody�

� ��Finacle updation at various stages��

� ��Handle credit/concurrent audit and arrange for compliance of adverse observation

� ��Conduct legal audit and prevent income leakage.

� ��TAT Maintenance & Adherence to SLA

� ��Limit Node Maintenance & ROI Updation "

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Optimal qualification for success on the job is:

� Graduation/ Post-Graduation from a recognized institute

� 12-15 years in a relevant role

Role Proficiencies:

For successful execution of the job, the candidate should possess the following:

� Knowledge of banking products and services

� Knowledge of regulatory guidelines and norms

� Good communication (both verbal and written) skill in both English and the local language

� Ability to manage complex client situations

� Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment

� Ability to handle pressure and meet deadlines

WBO:MWBC Head

About the role

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