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 OperationsLiaison 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 activtiesInitiate 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 activtiesEnsuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and proceduresCarrying 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 basisProcessing of NOC requests on daily basisCollection, evaluation and follow up with internal / external environment for following activities: Sales MIS – to be obtained from customer on monthly basisCOP & MOF – to be obtained from customer on quarterly basisSubsequent progress reports – to be obtained from valuer on quarterly basisOpening and Activation of Escrow AccountsTracking and closure of PDDsEMI / Interest dues / LOC dues presentation – to be obtained from operations and collected from customer on monthly basisLegal Diligence & Technical / valuation reportsCalculation, maintenance and release of DSRA Maintenance of tracker for Insurance policies of funded casesAudited Financials of borrowers / guarantors – to be obtained from customer on annual basisTDS reconciliation – to be obtained from customer on quarterly basisCredit Application & Processing in systemProviding 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 processEnsure the maintenance of acceptable asset quality of CF loans; track delinquencies closely so as to minimize NPA levelsEnsure 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 signalsUnderstand local currents and risk factors, providing an input to take decisions on new and existing loans