Operations Representative
Rak Bank
Total years of experience :11 years, 3 Months
Roles & Responsibilities:-
•Handling Asset Back Finance Cases, SME Cases ( Disbursals)
•Limit Setups (SME)
•Document checking for ABF products and SME.
•DDS Setup for ABF Cases and Running the RLS reports for weekly basis.
•Asset Collateral for ABF cases and handling the cash margin accounts.
•Handling TT Transfer and providing MCQ to dealers.
•Handling International Investment i.e LAI and CAC.
•Vetting of security, charge, approvals & source documents for all Asset Backed Finance, CBD and SME facilities.
•Review & strictly adhere to credit approvals & conditions for disbursal & to raise deficiencies if any for all the products prior to action.
•To coordinate with RM's & concerned teams to resolve the deficiencies for the accounts to proceed with disbursal.
•To follow all the pointers in the SME/CBD/ABF checklist while disbursing the facility.
•Setting up limits structure in the system, ensuring appropriate security, collateral and guarantor details are updated as per approval.
• Performed various limit structures in the system like “Omnibus” Structure, Group Cases, Reschedule cases & CAC Cases.
•Maintenance of Trade finance facilities, Commercial loans (SME/CBD), ABF Loans as instructed by business.
• Performed One-Off, Earmarking’s, Limit structure change & miscellaneous instructions on the facilities provided to the customer as per business instructions..
•Managing confidential data & archival of all the cases segment wise as per the guidelines of the bank.
•Generating various reports on a daily basis to mainly track limits & Overdraft facilities expiration, Account linking, segment changes, limit node changes,
•Debit Interest rate changes for Trade Finance accounts & Commercial loans. Generating FD report & placing lien on FD accounts.
•Preparation of SOP’s for SME facilities, Asset Backed Finance and Business Loans
•To ensure reconciliation of Dummy accounts allocated for PDC deals (SME/CBD/ABF segments)
•Daily MIS reporting for a vast variety of products under the SME/CBD/ABF segments.
•Central bank reporting & CBRB classification to be performed on a monthly basis for bad/Doubtful accounts & Rescheduled loans.
•Performing Provision & Write Off for bad/Doubtful & skip customers as per approval. Also to Negate, Debit freeze the accounts & mark lien in customers account.
•Maintaining Bank Limits report. Granting & extending facilities in the system for banks as per credit approvals.
Roles & Responsibilities:-
•Handling disbursals, limit set up, updating guarantors & collateral as per credit approval.
•Checking for accuracy and completeness to ensure that all required legal documentation and undertakings are in place prior to releasing for disbursal.
•Conducting training sessions for business units.( Omni Docs)
•Follow up with sales team for receipt of deficient and / or expired documents.
•Preparing MIS on fortnightly and monthly basis.
•Scanning of DDA Forms, checking for rejects, sending MIS and follow up with business for rectification.
•Scanning of Disbursed files for future reference (EDMS)
•Archival of files, updating barcodes.
H2 Grade.
Roles & Responsibilities:-
•Sell over the phone telecommunication products and services to customers in UK.
•Understand customer’s needs and build rapport with them as part of the sale process.
•Provide best deals to clients and achieved individual sales targets as part of the outbound
Department sales target month on month.
•Proactively sell insurance for lost or stolen and replacement of contract phone.
•Handle customer’s objections and followed up the deal through up to closing.
•Efficiently schedule the calls to ensure a good time management.
•Expand customer database through referrals.
Providing banking services to the preferred customers and HNI Customers.
•Sell over the phone products related to credit cards (insurance & balance transfer) to customers in UK.
•Providing information to credit card clients regarding various insurance schemes and products over telephonic conversation and internet.
•Provide exact and immediate information to existing and potential customers about bank’s products, services and pricing.
•Understand customer’s needs and handle all requests in a professional manner within the agreed timeframe.
•Proactively cross-sell bank’s products and services to customers and perform retention.
•Communicate with all internal customers (other departments, sale representatives) to solve all client related situations and ensure a high level of customers service.
Roles & Responsibilities:-
•Responsible in cross selling unsecured loan (Instant money) to RAK Bank credit card clients.
•Analysis and verification of loan documentation for retail clients and this includes debt burden calculation.
•Provide best deals to clients as part of the outbound department’s sales target.
•Providing accurate and timely information to clients in regards to Banking products & Services
or directing customers to the relevant division.
•Assisting in resolving customer complaints in a timely manner.
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