Company: DBS Bank
Location: India
Employment Type: Full-time
Description:
Business Function
Technology and Operations (T&O) enables and empowers the bank with an efficient, nimble and resilient infrastructure through a strategic focus on productivity, quality & control, technology, people capability and innovation. In Group T&O, we manage the majority of the Bank’s operational processes and inspire to delight our business partners through our multiple banking delivery channels
Job Purpose
• The role is towards processing of home loans in central operations domain and would include file processing for credit approval, Pre-disbursal, Post-disbursal and Post sales support
Key Accountabilities
• Retail Home loan product knowledge
• Home Loan processing from approval to post sales support
• Domain expertise on core-processing of Mortgages
• Liaison with verification, legal and valuation team
• Liaison with all internal & external stakeholders (Agencies / Vendors) to ensure smooth flow of Operations
Job Duties & Responsibilities
• Ensure the procedures / SOPs… / Manuals are created & maintained in line with the NPA, RAC – Credit Policy and other internal / external guidelines
• Ensure all BOD and EOD responsibilities are adhered to in line with the checklists
• Ensure all internal & external reports are prepared / checked / circulated in line with the stakeholder requirements and the agreed process
• Identify any process risks and proactively bring them to the notice of the line manager
• Work with the line manager in creating / implementing the risk mitigation actions for the operation supported
• Perform the UAT as desired by the Operations / Business and clearly document the results including reporting them in time to the respective stakeholders
• Work with all stakeholders in ensuring a positive customer experience in the processing
• Ensure strict adherence to the Service Levels (TAT / SL agreed) and any exceptions are immediately reported to the line manager along with appropriate reasons
• Proactively support the colleagues in coaching / mentoring on the process / product as appropriate (and whenever assigned by the line manager)
• Ensure compliance with all internal & external policy & audit requirements (including but not limited to Legal / Compliance / Operational, etc)
• Maintain all registers & files as required by the Operations unit (Example: FRFC Key Register, Document Control register, In & Outward register, etc)
• Verifications are initiated and tracked for receipt (Customer & Collateral). Disbursal checks are ensured in line with the manuals / Policy / SOPs and funds are disbursed
• Tracking of OTC & PDD documents and update to the system. Ensure Welcome Kit request and dispatch on time
• Archive the files as per the process
• All post disbursal and service related requests are handled in line with the procedures
• Possess good knowledge of ROI, PF, Office Accounts, DIR & LTV (exposure)
• CIBIL report generation & CERSAI handling (enquiry, register the entry & remove the entry)
• Communication to the customer (dispatch of letters)
• Contribute for the process enhancements and cost saves while improving / without negatively impacting the customer experience
• High governance standards
Required Experience
• Atleast 5-7 years in Retail Home Loan processing
• Basic banking experience is an added advantage
Education / Preferred Qualifications
• Graduation from any recognised university
Core Competencies
• Expertise in Home Loan Processing
• Good communication skills
Technical Competencies
• Retail Home Loan Processing
• Retail Home Loan system enhancements
• Retail Home loan post sales support
Work Relationship
• Team Player
• Commitment and Integrity
Apply Now
We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.
Primary Location
India-Tamil Nadu-Technology Centre-eLVB
Job
Operations
Schedule
Regular
Job Type
Full-time
Job Posting
Aug 9, 2024, 1:22:17 AM
Source: LinkedIn
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