Credit Officer Job In Brand Invent In Delhi

Process Flow for the Officer Credit (OC): 1The OC must refresh the dashboard every time she is done with working on a file The dashboard will reflect all files in DOVR status 2The first file in the queue, which is identified by the date and time of the file achieving the DOVR status, should be taken up for preparing the interview sheet.

3Appraisal and preparation work for making a call to the customer: aCheck the loan application form for completeness Note down all columns which have to be completed along with any questions b.

Also check the loan application and corroborate with supporting documents as explained in the appraisal section of this document cCalculate eligibility which is IIR, FOIR and LCR Check these with the Officer's interview sheet, in case of large differences, make notes and later call the officer for clarity dCheck for proof of own contribution, make notes and write questions to ask the customer e.

Prepare notes related to the profile of the customer which should include questions on his past employment, family details, 4Calling the customer: aFollow the script in terms of courtesies Script provided with this note b.

Scripts are provided for many of the common objections raised by customers and training will be provided for handling objections cYou must ensure that everything that the customer needs to comply with is bound by a date and time This date and time must be updated in the next action column details d.

All attempts must be made to ensure that the customer emails the required documents and if there is no alternative an appointment is fixed for the SO to pick up the documents eConfirm NECESSARILY if the customer is aware of a BSA in case the BSA code is mentioned on the application form State the confirmation in the remarks column of the interview sheet f.

Also confirm that the only payment made is towards the processing fee and that the same has been done by cheque State the confirmation in the remarks column of the interview sheet 5Complete the interview sheet 6Keep checking the dashboard Job Description of Officer Credit 1.

Ensure all DOVR files achieve status ITPD or ITSC within 4 hours of the file achieving DOVR status 2Prepare a note sheet with notes reflecting all queries and pending documents This note sheet is the support tool to call the customer and resolve pending issues 3NECESSARILY call the customer.

We expect all customers to be called so that we acknowledge the receipt of his application and papers Confirm pending documents, agree to next action for every document and query There are instances when a customer is unable to take a call, in such cases send an email 4Prepare the interview sheet on line and as part of the interview sheet, update all pending documents and queries.

All pendency's to be assigned for next action, date & time, the person who will perform the next action 5Refresh dashboard to understand if all pending documents and queries are resolved even while the status remains ITPD 6Ensure all actions due by all concerned are taken, follow up done with the customer and SO, if required, new action date and time assigned.

Wherever required due escalations to be done for non performance of action due 7It is expected that the Officer Credit will complete the file and move it to stage in 3 working days of the file achieving DOVR status 880% of the files submitted as RHDFC should not appear in File Requirements (FR) 9.

The rest 20% should be resolved within 2 working days of the FR being raised 10All queries raised or pending documents identified by company need to examined and in case not found genuine, revert to HDFC immediately so that the file does not reflect in FR for the wrong reasons 11If the FR status is agreed upon, then speak to the customer and / or the SO, resolve the query, update and revert to HDFC.

In case the query resolution requires submission of a document, try to secure the same on email preferably so as to save time If the documents are voluminous or cannot be mailed for any other reason, ensure assignment to the customer and / or the SO such that the files move to Re-review stage within 2 days of the FR being raisedSkill sets required for this job description: Conversation Skills: The OC should be able to converse in the local and English language fluently Must not reflect a local language bias whilst conversing in English Analytical Skills: Ability to analyse the individual's application in terms of ability to pay, reasons for the person to pay a higher EMI than the norms, derive the cost of property taking into account localised costs elements, decipher KYC documents and ensure compliance, read the CIBIL report and interpret scores Identify any hints of fraud in documents or nervousness in speech leading to suspicion.

Ability to read a bank statement, identify abnormal trends and seek clarifications Ability to convince: Must possess probing skills to ask and seek so as to be convinced herself Carry convictions and ability to convince through written language and if required through verbal skills another person in company appraising the file Appraisal: 7Loan Application Form: i.

KYC check on address and identity with the KYC documents submitted iiIncome details match with the income proof papers provided iiiBank details on the form match the statements provided ivProperty cost on the form matches with property related documents provided v.

Own contribution details on the form match with proof provided viBSA code mentioned on the form matches the one reflecting on the system viiObligations mentioned on page 3 of the form reflect in the bank statements viiiProperty address as mentioned on the form and the property documents submitted ixSignature on the form matches with signatures on self attested KYC documents 8.

Incentive Plan for the Officer Credit

We Are Hiring For Credit Manager With Experience Of 4 Years In Credit Department .

Brand Invent is looking for Bachelor Of Arts (b.a) profile candidates.