Service Excellence Specialist_WBG HO / IPO / CIP_0188_1419_1057642

Kotak Mahindra Bank; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Kotak Mahindra Bank is seeking a seasoned professional to manage a specified portfolio with focus on legal documentation and credit admin within CIIB, coordinating with the Cluster Manager to deliver required actionables.

The role involves sanction letter issuance, security documentation, verification of constitutional documents and authorisations, and ongoing compliance including client visits for document execution and consortium meetings.

Qualifications

• Experience handling legal documents and service relationships.
• Strong analytical and financial skills.
• Excellent written and spoken communication with attention to detail.

Responsibilities

• Portfolio handling with legal documentation and credit admin in CIIB.
• Issuance of sanction letters per terms and conditions.
• Issuance of security documents as per sanction terms.
• Verification of constitutional documents and authorisations for facilities and security.
• Compliance with ROC/CERSAI registrations and security charges.
• Document checking and limit loading; ensuring proper execution of documents.
• Security creation/perfection in coordination with client and banks.
• Visit clients for document execution and attend consortium meetings.
• Custodian duties for documents in FRFC and proper storage procedures.
• Document tracking for receipt, deferral, expiry and related escalations.
• Closure/tracking of deferrals and regularisation with RM/Business.

Skills

Legal documents

Credit administration

Relationship management

Analytical skills

Communication skills

Attention to detail

Education

CA or MBA

Job description

Job Role

1 Portfolio Handling of specified portfolio by providing services related to Legal Documentation and Credit Admin activities in CIIB. Working closely with the Cluster Manager to support for delivery of all actionables. 2 Sanction Letter Issuance of sanction letter as per the terms and conditions of Sanction. 3 Security documentation Issuance of security documents as per the terms of sanction. 4 Verification Verification of Constitutional documents (MOA, Partnership Deed, etc.), Authorisations (BR, Partnership, Letters, etc.) for availing facilities, creating security, execution of documents and scrutiny of executed documents to ensure proper execution.

1 Portfolio Handling of specified portfolio by providing services related to Legal Documentation and Credit Admin activities in CIIB. Working closely with the Cluster Manager to support for delivery of all actionables. 2 Sanction Letter Issuance of sanction letter as per the terms and conditions of Sanction. 3 Security documentation Issuance of security documents as per the terms of sanction. 4 Verification Verification of Constitutional documents (MOA, Partnership Deed, etc.), Authorisations (BR, Partnership, Letters, etc.) for availing facilities, creating security, execution of documents and scrutiny of executed documents to ensure proper execution.

• Capability to check the original property documents submitted by the mortgagor at the time of mortgage creation in terms of Mortgage Deed / TSR
• Handling Limit Loading in Banks systems
• Updation and Management of Security/Collateral
• Discussing with clients on negotiation in documents and seeking approval thereof.

5 ROC / CERSAI related compliances Ensuring registration of security charges in favour of the bank wherever applicable. Also removal of non-required charges if any 6 Document checking and limit loading Ensuring proper execution of documents / compliance with the terms and conditions of sanction and receipt of approvals for deferrals in case of non-submission / discrepant documents. 7 Security Creation / Perfection Creation of security as approved and getting the security perfected in coordination with client / other banks. 8 Client Visits Visiting clients’ office for execution of documents wrt Credit facilities sanctioned. Attending consortium meetings for document execution. 9 Custodian Ensuring proper care and safety of documents held in FRFC and complying with the laid down process / procedure for storage of documents. 10 Document Tracking Tracking of documents for receipt; deferral; expiry etc through systems 11 Closure/tracking of deferrals Ensuring that deferrals are closed within timelines by arranging necessary documents/ approvals. Tracking deferrals for regularization with escalation to the concerned RM/Business under advice to Credit Approvers and monitoring expiry of documents.

Requirements

12 Liaison With Business Teams, Legal; Credit; RMs; CPC, Audit, Service Providers etc for timely and quality deliverables by resolution of issues/ answering queries 13 MIS Maintaining necessary MIS for reporting purposes. 14 Projects Ensuring completion of projects allocated within the timeframe 15 Audit Handling of RBI/Internal/Statutory/Concurrent Audit requirements. 16 Limit closure Handling Closure of limits and release of securities and issuance of No Dues Certificate Job Requirements:

• Relevant experience in handling legal documents / service relationship.
• CA/MBA with 5-7 years of experience
• Ability to Influence/relationship Management Skills.
• Analytical and financial skills
• Strong communication.
• Eye For detail.