HDFC Bank Job for Fresher in Vadodara

Credit Mgr-CTG

Job Description

• A.

• Due Diligence To check all critical fields in application form and DDE sheet which has a bearing on dedupe.

• To ensure data quality is in line with policy guidelines.

• To check veracity of information through image uploaded vis–vis data captured.

• To ensure all dedupe checks (Bureau, Possidex, MDR, CRILC, Probe 42 etc.

• ) are done and output is evaluated in line with the policy of the bank before decision making.

• To check all vendor reports (CPV report.

• Valuation report, Legal report, Asset Verification report etc.

• ) are in line with the scope of work of the vendor and covers critical / required information, for which the vendor has been appointed.

• To use internal score card / credit assessment tools to appropriately underwrite loan proposals within the policy guidelines and capture necessary deviations wherever required.

• B.

• Portfolio Quality To meet rolled out target for Non-starter and EMR C.

• Underwriting & Process efficiency To ensure underwriting TAT is met as per rolled out target.

• To meet productivity norms by underwriting files allocated.

• To avoid unwanted rework, increase FTAR, capture right pending / reject reasons, reduce RAL (without additional docs/info) and adhere to all other instructions given by the management from time to time.

• D.

• Audit To ensure adherence to both internal and external audit guidelines.

• To ensure CAD is not breached.

• To ensure e attendance is marked immediately after booting the system and log out before leaving office for the day.

• To ensure User ID & Password is not shared with anyone in line with ISG policy of the Bank.
• To ensure all relevant support is extended to the auditors for a smooth closure and the report is satisfactory.

Skills

• Basic Aptitude
• Understand and Reading Financial Statement
• Understanding of Agricultural nuances are an added advantage
• Interpersonal Skills
• Good Communication Skills
• Ability to negotiate