Careers

Job Description :

1. To function as an overall administration in-charge of the branch.
2. Customer Acquisition: To monitor the leads, to check for the quality of sourcing and to ensure quick conversion of prospects as per the targets set.
3. Customer Retention: To counsel and retain the customers thus ensuring NIL prepayment of Housing Loan, unless it is authorised by the Managing Director / Head Credit, Risk & Recovery of the Company.
4. Customer Management: To act as a one stop shop for all the customer related queries, issues and grievances and to resolve them at the earliest.
5. To ensure ‘Zero Customer Complaints’ against the staff and the Branch as a whole.
6. To manage all the branch staff (i.e.,) Sales team, Legal Officer, Technical Officer, Recovery staff, Accountant, Credit staff (administrative control only) and to coordinate with vendors and DSA for support services.
7. Responsible for proper training of new employees inducted into the system.
8. To manage the performance and productivity of Branch staff and offer continuous feedback on the same.
9. To ensure maximum business growth both in terms of number and amount, not compromising on the quality or business ethics, at the same time.
10. To achieve high branch profitability or as per targets.
11. To rigorously monitor NPA overdue accounts and to ensure that there are no adverse changes in NPA overdue.

Job Description :

1. To achieve the monthly, quarterly and annual Collection targets, thereby contributing to achieve Branch target, as a whole.
2. Responsible to effect recoveries under existing NPA cases and for up-gradation (Roll Back/Normalisation & OTS) of the allocated NPA cases.
3. To achieve demand vs collection targets.
4. To convert collections through Cash and PDC to NACH.
5. To ensure strict compliance on same day collection entry in ERPS and handover of daily collection to Branch Accountant.
6. To adhere to company-defined, ethical and acceptable collection practices.

Job Description :

1. Login of files and underwriting of proposal.

• To ensure that the proposal conform to KYC requirements.
• 100% scrutiny of customer documents and internal / external verification reports. Any negative reports / documents to be reported in writing to BM & reporting Manager.
• Additional documents related to credit sanction to be followed up and collected from the applicant/s and further analyzed.
• Conduct Personal Discussion with the applicant/s and assess willingness & capacity of borrower to repay and record the same in the credit interview sheet.
• Proper identification of the property, corroborate schedule of the property between TSR and LSR and ensure marketability of the property before recommending the proposal.
• In case of any deviation, justification and mitigates to be provided in case of recommending the loan.
• Underwrite the loan proposal in conformity with the prescribed credit norms / NHB regulations
• To ensure that the proposal conforms to Rules of Anti Money Laundering Act.
• Risk analysis is done and recommend the proposal.
• To ensure quality of proposals.
• Appropriate flagging of proposals under various categories/schemes.
• To ensure prescribed Turnaround Time from inward to sanction.
• Decision on proposal should be communicated to the customer within 15 days from the date of inward.
• To monitor and ensure that the job assigned to CPA delivered by him/her properly.
• To monitor proposals for early delinquency, cheque bounces and follow up actions required.

2. Disbursement

• All requirements are obtained before disbursement is booked.
• To ensure that processing/re-processing fee and admin fee is collected in full.
• Stage of construction is commensurate with deployment of funds (margin money and money availed through previous disbursement).
• No PEMI dues are pending.
• To ensure that registration of MOTD by applicant favouring NATRUST is done before disbursement money is released to customer.
• Release of cheque within 2 working days from the date of booking. In case of delay, intimate branch manager & CO Ops- Manager on mail immediately.
• Due date of PEMI & EMI is communicated to the customer.

3. Audit Compliance

• To ensure 100% compliance of audit queries.
• To reply within 3 days from the date of receipt of audit query

Job Description :

1. 1-4 years of proven experience and deep knowledge of Software development of ASP.NET, VB.NET, C#.NET, Oracle PL/SQL stored procedures and database performance optimization.

2. Take ownership of the maintenance and development of key database product components within including writing Constraints, Indexes, Cursors, Views, stored procedures, functions, triggers, packages, and complex analytical and financial reports and User Defined Functions.

3. Experience in Architecture, Designing, Development and Deployment of High-Performance, Scalable, Distributed, ASP.NET Applications and Oracle/SQL.

4. Good experience in Classic ASP, ASP.Net, VB Script, C#, Java Script, Jquery, HTML, DHTML, XML and CSS.

5. Experience in working with Firefox, Internet Explorer, Safari and Chrome browsers.

Job Description :

1. Procurement of Title Search Report within TAT in follow up with Marketing Team for submission of documents and Legal Vendors for submission of report.
2. To Ensure quality of the report is in consonance with the local laws.
3. All legal conditions to be met with and disbursement cheque to be released within TAT
4. Queries raised by the Compliance Authorities are to be discussed with the respective branches / legal managers placed there, and to resolve the same within TAT.
5. Drafting Sale Deeds, MOTDs
6. Procurement of Online ECs for the Legal Sanctioned files within TAT
7. Procurement of Certified Copy of the Title Deed from the concerned SRO within TAT
8. To ensure timely collection of Bills from Vendors and clearance in co-ordination with the Finance Team
9. To ensure the collection of Loan Agreement and Original Documents as per Advocate’s recommendation and submit the same to the compliance authorities for their cross-verification.
10.Follow Up of Post Disbursement Documents and place the same on record within TAT.
11.To procure empanelment agreement of new vendors and renewed agreements of the existing vendors.

Job Description :

1. To maintain a thorough understanding of the financial reporting and general ledger structure.
2. To analyse general ledger transactions to provide reasonable assurance ensuring books of accounts are correct and upto date.
3. To ensure an accurate and timely monthly, quarterly and year end close.
4. To oversee the entire receivables, payables and fixed assets management.
5. Timely preparation of monthly and annual reconciliation statements.
6. To prepare the financial budget by coordinating with various departments and analyze monthly operating results against budget prepared.
7. To coordinate financial audits (internal and external), NHB inspections and provide recommendations for procedural improvements and ensure corrective actions are taken and followed.
8. Responsible for compliance across all applicable statutes such as Income tax, GST, NHB Act, etc.
9. To co-ordinate for Tax Audit and handling of IT/GST assessments.
10. To monitor the performance of Branch Accountants and other Accounts personnel.
11. To prepare financial statements and implement control mechanisms to ensure accuracy of financial statements. Exposure to Ind-AS would be an added advantage.
12. To work with IT team to generate reports related to Finance and Accounts through ERP and automate all the F& A related processes.
13. To resolve audit queries on time and ensure compliance.
14. To identify, suggest and implement ways to manage the cost efficiently.