Associate, Generalist, Secured Credit Operations, Technology and Operations

Associate, Generalist, Secured Credit Operations, Technology and Operations

5-7 years
Not Specified

Job Description

Business Function

Group 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 position is based out of Central Operations and to support processing of Home Loans.
  • The processing of home loans would include Credit Approval, Pre-disbursal, Post-disbursal and Post sales support.

Key Accountabilities
The job entails the following key functionalities:
  • Retail Home loan product knowledge (home saver product in particular)
  • Home Loan processing from approval to post sales support
  • Domain expertise on core-processing of Mortgages
  • Liaison with verification, legal and valuation team

Job Duties & responsibilities
The job duty for the role is to understand the entire gamut of Retail Home Loan processing and team management.
  • Checking and ensuring that loan amount applied matches with internal credit policy and is within the Loan to Income ratio.
  • The CIBIL, Residence & Office verification, Income/Bank statement verification and Blacklist check is completed and deviations are highlighted.
  • The Loan application to be routed to Credit Risk for approval and clarification (if any) from credit risk to be reverted appropriately.
  • Customer intimation to be sent as per the defined process.
  • Checking the pre-disbursal documentation and calculation of Loan to Property value ratio to be in line with credit policy.
  • Checking of legal and valuation report for correctness and deviation to be highlighted.
  • Checking of disbursal documents and property documents received against legal report and ensure no gaps in documentation received.
  • Loan disbursal to be done post approval from Credit Risk and ensure that loan proceeds are handed over to seller only after receipt of all documents.
  • Post disbursal documentation to be archived as per document management SOP and annual confirmation done as per the process.
  • Post sales support such as Loan part closure, pre-closure, interest certificate, loan enhancement, tenure change, interest rate change and other related activities to be done as per defined process and SOP.

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

Work Relationship
  • Team Player
  • Commitment and Integrity
India-Tamil Nadu-Chennai

About DBS

DBS, a leading financial services group headquartered in Singapore, operates across 18 markets. We are an Asia-centric commercial bank focused on harnessing the region’s long-term potential as the centre of economic gravity shifts eastwards to Asia.
A frontrunner in digital transformation, we seek to deliver a new kind of banking that is so simple, seamless and invisible, that customers have more time to spend on the people or things they care about.
At DBS, we are also a strong advocate of building a sustainable future. Working with partners, we empower people to live larger than themselves. We create avenues that encourage our customers to live socially-conscious; establish platforms to help social entrepreneurs bring their ideas to life; and provide the next generation with opportunities to develop innovative solutions that address sustainability issues.

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