MSME | Credit Officer | MMG|S|III

Roles & Responsibilities:

 Examine/pursue leads generated by sales team for financing.  Follow up with sales officer/ Manager for required and additional documents.

 Scrutiny of applications vis-à-vis checklist provided.

 Conducting pre-sanction visit of new borrowers’ unit & proposed securities and submission of report.

 Meeting with Promoters/financial controllers in case of professional management, along with Head – Credit and obtain in-principle approval for processing of proposal.

 Collection of missing links, additional information from the customer / operational data from the branch in case of existing group relationship or relationship in other business vertical and preparation of proposal.

 Co-ordination with Advocates, Valuers and TEV consultants.

 Verification of reports from the advocates for title clearance, valuers on valuation of properties.

 Preparation of credit proposals within approved TAT.

 Preparation of sanction letters.

 Maintenance of sanction records.

 Conveying of sanction

Relationship with clients

 Strengthening relations with existing customers by cross selling and maintaining productivity as per Matrix designed by corporate office.

 Pursuing the customer for availment of facilities from bank and also cross sell other products.

 Monitoring of the allocated accounts on daily basis i.e. their turnover, debits/ credits, inquiring about monthly sales, preparation of MMR and QMRs etc and all other credit activity of the branch.  Review / RWI of existing accounts before due dates for allocated accounts.

 Processing of ADHOC/ Excess and TOD requirement of the borrower and put up to Credit Head.

 CMO Work- All CMO work including but not limited to Executing documentation in presence of branch head and getting vetting report from legal officer. Rectification of all deficiency as per vetting report/ sanction advice before disbursement. A different view to disburse without rectification/ granting time for perfection of documents can be permitted by competent authority as the case may be.

 Escalating warning signals, if any, to Head- Relationship & Monitoring, SME Branch and take corrective steps including preparation of exit strategy, if required.

 Maintenance of all documents/ communications of the allocated borrowers.

 Inspection of the unit and security as per Banks guidelines time to time.

 To arrange to get the stock statements/ other requests as required from the customers and process the same.

 Maintenances of drawing power, disbursal etc and all other operational mater within DP in operative account. Monitoring of the account shall be done by the relationship Manager.

 Following up with all customers of SME Branch for the repayment of dues i.e. SMA 0, 1, 2 including maintenance of turnover in the accounts at SME Branch.

 Cross selling of Various Banks products as per the requirement of Customers.

 Relationship Manager will be responsible for coordinating of the following-

 Registration of CGTMSE by concerned Regional Office.

 Timely Payment of fees –through debiting Concerned branch’s/ Borrower’s account, as the case may be.

 Marking of account as NPA in Portal within stipulated timeframe by Concerned Regional Office

 Any other operational work for the accounts allocated.

Education Qualification:

Mandatory –

Graduate in any discipline

Preferred –

Post-Graduation Degree/Diploma in Management with Specialization in Finance/Banking/Forex/Credit

OR

CA/CMA/CFA

Work Experience:

> Minimum 5 years of experience of Credit appraisal, preferably in MSME Banking with any Bank/NBFC/Financial Institutions in India.

(For candidates having CA/CMA/CFA qualification, their experience of up to 1 year, with a registered CA firm can be included for the purpose of work experience)

OR

> Minimum 5 years of experience as Analysts in RBI approved Rating Agencies.

The details shared here are for quick reference only. For more details, T&C, and to apply for the Job please refer to the career section of the Bank's website or click here: - https://www.bankofbaroda.in/career/current-opportunities/recruitment-of-specialist-officers-in-bank-of-baroda