Field Visit Specialist - Gulf Bank To visit borrower`s main business premises and provide visit report to Executive Manager Credit & Risk to help in credit decision as per bank`s terms and conditions to sanction the facility lines. Communicate with the borrower to understand the Business profile, setup, purpose of facility & credit worthiness. Provide inputs to Credit Analyst for the general & specific queries. Education / Qualifications: Preferably graduate having basic knowledge of financial statements Knowledge: Should be well versed with main business locations. Knowledge of local markets and customers would be an added advantage. Experience: 1 – 3 years of experience of customer visits for the purpose of verification /collections. Generic & Specific Skills: Computer Skills (Word, Excel etc) Driving License Accountabilities: Field Visits Visit the main business premises of the applicant and provide the report. Observe the business activity and provide feedback if this is in line with the information provided in the loan application form. Meeting with working partner/owner is a must Report should cover details of location, landmark, exterior & interior of the premises, infrastructure, number of employees & customer seen during the visit. Several photographs of the premises with minimum one each of exterior, interior, available stock and office setup should be attached with the report.. Profile of the visited customer should be discussed with the credit analyst prior to the visit as well as after the visit. All the specific queries of the analyst should be answered. Name, designation and phone of the person met should be mentioned clearly. A business card should be insisted. Group companies details, confirmation of the purpose of facility and customer`s readiness to provide the suppliers reference should also be checked. Report & discussion The complete visit report should be submitted on BB Risk visit report template. . In case of review accounts, clarification for missed payments, abnormal credit & debit transactions and return cheques should be asked. A detailed discussion with the credit analyst should take place after the submission of the report, ensuring that all queries are addressed. Corporate Governance and compliance Work fully within: risk policies and procedures and all compliance regulations careers.e-gulfbank/gulfbank/VacancySearch.aspx
Posted on: Sun, 08 Sep 2013 08:06:57 +0000
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