Crerdit Officer NA NA 2019-05-13 10:29:17 Full Time 2019-05-13 to 2019-06-12 VRB Hire Tech Globe Solutions Private Limited Chandigarh NA NA NA NA

We have good opportunity for

Profile- Credit Officer

Location- Chandigarh

Exp- 1 year (in credit)

JOB DESCRIPTION

Process Flow for the Officer Credit (OC)

  1. The OC must refresh the dashboard every time she is done with working on a file. The dashboard will reflect all files in DOVR status.
  2. The 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.
  3. Appraisal and preparation work for making a call to the customer
    1. Check the loan application form for completeness. Note down all columns which have to be completed along with any questions.
    2. Also check the loan application and corroborate with supporting documents as explained in the appraisal section of this document
    3. Calculate eligibility which is IIR, FOIR and LCR. Check these with the Officers interview sheet, in case of large differences, make notes and later call the officer for clarity.
    4. Check for proof of own contribution, make notes and write questions to ask the customer
    5. Prepare notes related to the profile of the customer which should include questions on his past employment, family details,
  4. Calling the customer
    1. Follow the script in terms of courtesies. Script provided with this note.
    2. Scripts are provided for many of the common objections raised by customers and training will be provided for handling objections.
    3. You 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.
    4. 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.
    5. Confirm 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.
    6. 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.
  5. Complete the interview sheet
  6. Keep 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.
  2. Prepare 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
  3. NECESSARILY 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.
  4. Prepare the interview sheet on line and as part of the interview sheet, update all pending documents and queries. All pendencys to be assigned for next action, date & time, the person who will perform the next action.
  5. Refresh dashboard to understand if all pending documents and queries are resolved even while the status remains ITPD.
  6. Ensure 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
  7. It is expected that the Officer Credit will complete the file.
  8. 80% of the files submitted & should not appear in File Requirements (FR).
  9. The rest 20% should be resolved within 2 working days of the FR being raised.
  10. All queries raised or pending documents identified need to examined and in case not found genuine, so that the file does not reflect in FR for the wrong reasons.
  11. If the FR status is agreed upon, then speak to the customer and / or the SO, resolve the query, update . 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 raised.

Interested candidate may apply

Thanks & Regards

SABA SHAMIM

8447220195

Sales Chandigarh NA NA NA NA 13-May-2019 to 12-Jun-2019 1-2 Yrs NA NA NA

We have good opportunity for

Profile- Credit Officer

Location- Chandigarh

Exp- 1 year (in credit)

JOB DESCRIPTION

Process Flow for the Officer Credit (OC)

  1. The OC must refresh the dashboard every time she is done with working on a file. The dashboard will reflect all files in DOVR status.
  2. The 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.
  3. Appraisal and preparation work for making a call to the customer
    1. Check the loan application form for completeness. Note down all columns which have to be completed along with any questions.
    2. Also check the loan application and corroborate with supporting documents as explained in the appraisal section of this document
    3. Calculate eligibility which is IIR, FOIR and LCR. Check these with the Officers interview sheet, in case of large differences, make notes and later call the officer for clarity.
    4. Check for proof of own contribution, make notes and write questions to ask the customer
    5. Prepare notes related to the profile of the customer which should include questions on his past employment, family details,
  4. Calling the customer
    1. Follow the script in terms of courtesies. Script provided with this note.
    2. Scripts are provided for many of the common objections raised by customers and training will be provided for handling objections.
    3. You 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.
    4. 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.
    5. Confirm 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.
    6. 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.
  5. Complete the interview sheet
  6. Keep 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.
  2. Prepare 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
  3. NECESSARILY 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.
  4. Prepare the interview sheet on line and as part of the interview sheet, update all pending documents and queries. All pendencys to be assigned for next action, date & time, the person who will perform the next action.
  5. Refresh dashboard to understand if all pending documents and queries are resolved even while the status remains ITPD.
  6. Ensure 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
  7. It is expected that the Officer Credit will complete the file.
  8. 80% of the files submitted & should not appear in File Requirements (FR).
  9. The rest 20% should be resolved within 2 working days of the FR being raised.
  10. All queries raised or pending documents identified need to examined and in case not found genuine, so that the file does not reflect in FR for the wrong reasons.
  11. If the FR status is agreed upon, then speak to the customer and / or the SO, resolve the query, update . 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 raised.

Interested candidate may apply

Thanks & Regards

SABA SHAMIM

8447220195

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