Banking Officer
HSBC BANK
Total years of experience :14 years, 1 Months
Based on onboarding customer profile we do check for FCC escalation, under various type of customers. Specially we screen and verify customer authenticity of customers. Bacically we screen RBWM and CMB customers. Based on the customer profile we check any negative news is there on customer profile or not, Finally we audit the profile and upload the data for future reference.
ANZ (Australia & New Zealand Banking Group Limited), Bangalore, India. (April 2010 -till date)
Total Experience: 6 years....
Department - (1) FDE -Credit Analysis & Processing/Credit Risk Evaluation (2)Finance & Dealer Team- Worked for a NZ Asset Finance Company- UDC Finance Limited, as Sr. Analyst for Loan Settlement team.
FDE (Credit Analysis & Processing/Credit Risk Evaluation)
Roles and Responsibilities:
To identify the key areas of Income and expenditures, variation in assets and liabilities.
Complete the spreading of the financials using various tools in ANZ as per the Australian & New Zealand Standard Banking Norms.
To ensure continuous process improvement is actively pursued in all areas of responsibility with specific focus on end to end process and technical opportunities.
Evaluating financial position of company.
Prepare Balance sheet for the customer as per ANZ norms.
Estimate budget for the customer, analysis the result for approval of loan amount.
Credit rating assessment. (E-CART)
Communicating with stake holders in case of discrepancy.
Preparing customer financial statement according to company policy.
Work Profile Involves
Responsibility towards credit appraisal for corporate and institutional clients of Australia and New Zealand region.
- Financial statement and the related ratio analysis.
- Doing Best case and Worst case financial modeling.
- Checking the credit worthiness.
- Credit risk evaluation of the clients.
- Preparing counter party credit risk rating for the clients.
- Doing the forecasting for the clients for minimum 3yrs.
- Various Industry analyses.
U.D.C (United Domain Corporation-Lending Operation)
Roles and Responsibilities:
Completed analysis of transactional information to identify risk, trends and potential wary activity.
Performed the required KYC screenings on customers documenting the information obtained on the client's as required by global KYC procedures.
Ensuring compliance with all AML laws, regulations, guidelines, written procedures; OFAC, WORLD CHECK, MOTOCHECK, PPSR, COMPANY SEARCH, KYC, customer/transaction monitoring.
Fulfillment of lending procedures of loan for purchasing new vehicle, Home, or Business Loan.
Prepare Offering Sales Agreement.
Purchase Order Preparation.
To make customer due diligence, Responsible for Enhanced Due diligence reviews of Consumer and Business Banking customer.
Verification and documentation of Customer profile.
Rental Agreement Preparation on Finance lease and Operating lease Agricultural Goods and off-road vehicle.
Anti money laundering and sanction control, Reviewed different accounts and loans application files to verify that application data is complete and meets establishment standards in order to combat fraud.
Coordinating with stake holder and dealer in case of discrepancy.
Preparing of financial report of customer profile.
Attending query mails and handling escalation.
Work Profile Involves -
Assess the Document to be legally valid.(KYC)
- To make customer due diligence.
- Basic requirement for acquiring a Loan & investment.
- Eligibility to Re-Pay Loan. (report)
- Process the Loan for Payout.
- Preparing cost sheet of interest based on purchase order.
- Coordinating with other teams. (Cross Trained)
- Comply with the Firm’s Compliance Procedure.
- Interacting with on-shore team/ Handling escalation.
- Preparing Monthly/Weekly Performance report.
- Critical staff member. (BCP)
- Training to new staff.
project in bata India limited and study on financial market.
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