Key Result Areas

Supporting Actions

KRA - 1

Evaluation - Credit Analysis

Case Analysis using Financial models for Promoter Group, Micro-market and Transaction structure

• Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation.
• Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations
• Liaison with external agencies for due diligences - legal, technical, valuation, financial diligence, etc.
• Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA - 2

Evaluation - Note Preparation

Case Underwriting within guidelines of regulatory framework and ABFL polices

• Preparing Credit Assessment Memo for transactions
• Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management.
• Issuance of sanction Letter to the customer as per the note prepared and sign-off provided.
• Initiate framework for Post disbursement monitoring activties
• Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review

KRA - 3

Execution - Case Documentation

Case Documentation within guidelines of ABFL polices and framework

• Prepare and execute Pre & Post transaction documentation
• Co-ordinate with customer for information and documentation from login to post disbursement
• Carrying out Post disbursement monitoring activties
• Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures
• Carrying out post closure formalities.

KRA - 4

Quality Compliance

Customer Back-office coordination on day to day operational activities to align with ABFL compliance policies.

• Processing of Escrow fund transfers on daily basis
• Processing of NOC requests on daily basis
• Collection, evaluation and follow up with internal / external environment for following activities:
  1. Sales MIS - to be obtained from customer on monthly basis
  2. COP & MOF - to be obtained from customer on quarterly basis
  3. Subsequent progress reports - to be obtained from valuer on quarterly basis
  4. Opening and Activation of Escrow Accounts
  5. Tracking and closure of PDDs
  6. EMI / Interest dues / LOC dues presentation - to be obtained from operations and collected from customer on monthly basis
  7. Legal Diligence & Technical / valuation reports
  8. Calculation, maintenance and release of DSRA
  9. Maintenance of tracker for Insurance policies of funded cases
  10. Audited Financials of borrowers / guarantors - to be obtained from customer on annual basis
  11. TDS reconciliation - to be obtained from customer on quarterly basis
• Credit Application & Processing in system
• Providing Statements of Accounts and Balance confirmations to customer.
• Providing Credit Information Reports to other lenders.

KRA - 5

Quality NPA, SMA2

Compliance to internal risk parameters and monitor the health of customer accounts on a periodic basis to minimize risk and potential delinquencies

• Ensure that internal risk parameters and external regulatory norms are followed at all points in the lending process
• Ensure the maintenance of acceptable asset quality of CF loans track delinquencies closely so as to minimize NPA levels
• Ensure that key parameters related to projects and developers are monitored closely on a continuous basis, so as to mitigate potential risk factors and highlight early warning signals
• Understand local currents and risk factors, providing an input to take decisions on new and existing loans