CAD Trainee Program

• Review the credit proposal to ensure completeness and being error-free whilst also ensuring that all the credit proposals (CP) are approved by relevant stakeholders as per the policy.

• Ensure filing/registration of bank's charge with concerned authorities and completion/perfection of securities in terms of approval before line release.
• To ensure post disbursal monitoring of deferrals and/or securities as per terms of approval / frequencies defined in Credit Policy, Credit Procedures Manual and CAD Internal Process Manual.
• Daily review of transactions and sign-off on ATs/ OTs, referral card, deal tickets in accordance with procedural guidelines with no exceptions.
• Maintain sufficient stocks/inventory of all finance and security documents to facilitate timely disbursements. Physical inventory/break-up of documents must reconcile at all time, with the available balance in the system
• Timely highlight the exceptions/ deficiencies in the finance documents, escalation to line management, follow-up and its ratification.
• Ensure records are accurately classified and up to date in the system.

• To handle all functions related to assignment and completion of legal procedures, valuation, muqaddam, stock inspection, surveyors etc. with close liaison within agreed time frame/TAT, as per agreed SLA and problem resolution etc.
• To conduct joint visits with Business for physically verifying the property, documenting their observations and performing a sanity check on valuation

• Periodical evaluations of stock reports and Insurance Policies in terms of procedural guidelines, its DP adjustment, follow-up management and reporting of exceptions in CAD Monthly updates
• Complete pledge management including handling of outsourced agency (muqaddam) affairs, periodical DP monitoring, DO issuance & timely reporting of shortfall/forced lifting cases

• Graduate degree in any discipline.

• 0-1 year of experience

HBL