Receive all approved finance requests for retail customers from credit risk department.

Check if all appropriate approvals are in place.

Follow approval terms in verbatim.

In case of any deviation from approval terms, please obtain necessary approvals from the approving authority prior to processing the transaction

Prepare offer tickets for approved finance request, finance related documents as defined for each product that needs to be obtained from the customer and any other documents/ collaterals defined in the approval sheet. And forward to sales for onward delivery to customers.

Receive all the related documents from the customer through sales. Check if all the documents submitted duly executed are in order.

Receive all the down payments, where required

Conclude treasury deals were required

Book the finances in the ICBA/Flex cube systems

Update PDC's and register DDA form in the ICBA/ICCS/Flexcube/ DDA systems.

Disburse all amounts to customers/dealers as appropriates.

Obtain necessary mortgages in favor of Mawarid where required.

Ensure all collaterals and documents are filed appropriately in fireproof cabinets.

Ensure all assets mortgaged to Mawarid are properly insured.

Forward the PDC's to Clearing department for safe keeping and banking on due dates.

Ensure that the finances are booked correctly, and the daily profit accruals are in order.

Ensure all EMI's are paid on respective due dates for all finances

Ensure that delayed payment charges are received correctly and appropriated correctly.

Follow-up with sales for any cheque returns, delayed payments related to the Finance.

Provide details of funds requirement for disbursements to Treasury on weekly basis to enable treasury to arrange for funds in the bank accounts.

At Maturity of finances/early settlement of finances, ensure all payments have been received, obtain approvals if any as per approval sheet and release the mortgages/collaterals.

Ensure all accounts are reconciled and outstanding/un-reconciled items are properly accounted for.

Maintain exception register for exceptions, follow-up with the concerned for regularizing the exceptions; highlight the exceptions to your peers if not regularized within the timeframe.

Provide monthly report on the outstanding exceptions.

Receive product documents for new products and test scripts.

Go through the product document and understand the product and the conduct the UAT in the system as per the test scripts provided.

Obtain all UAT results and reports verify the same and provide to your head of department for review.

Respond and resolve to all quires received from the customers/sales

Provide prompt, error-free and courteous service to all customers for services.

Ensure that they maintain a helpful and customer friendly approach whenever dealing with the customers