- Interacting with customers at the branch to resolve queries related to accounts, loans, and services.
Providing information regarding bank products and services to customers.
Ensuring that customer requests are handled promptly and efficiently.
Supervising the work of clerical staff or other junior employees in the branch.
Assisting in the processing and approval of personal, business, and home loan applications.
Evaluating loan applications and customer creditworthiness.
Preparing loan documentation and ensuring compliance with bank policies and regulatory guidelines.
Monitoring loan accounts for timely repayments and managing follow-up for overdue loans.
Authorizing and approving payments within prescribed limits, ensuring authenticity and compliance with internal policies.
Handling day-to-day banking operations such as deposits, withdrawals, and fund transfers.
Managing cash operations, ensuring compliance with cash management policies.
Processing cheques and maintaining proper records.
Performing account reconciliation and ensuring accuracy in all transactions.
Assisting the branch manager in ensuring smooth operations of all banking activities.
Handling opening and closing of accounts.
Promoting and cross-selling various financial products and services (e.g., savings accounts, fixed deposits, insurance products, social service schemes, Sovereign Gold Bonds etc.).
Ensuring that all banking operations adhere to the rules and regulations set by the Reserve Bank of India (RBI) and the bank's internal policies.
Ensuring anti-money laundering (AML) and Know Your Customer (KYC) norms are strictly followed.
Participating in training programs to stay updated on banking products, services, and regulatory changes.
Learning new banking systems and software as part of career development.
Any other duties deemed fit for operational requirements of branch as per the office order.
