• POSITION DESCRIPTION JOB TITLE : Area Manager-Mortgage and Liabilities ) GRADE : AVP-I DEPARTMENT : Legal

LOCATION:
Regional Office (Bangalore, Noida, Kolkata and Pune) SUB-DEPARTMENT : TYPE OF POSITION : Full time REPORTS TO : Regional Legal Head (South/North/East/West) REPORTING INTO NA
• ROLE PURPOSE & OBJECTIVE
• Drafting/vetting/review of all kinds of credit documentation for MSE and Housing, including security documents and all transaction documents for various kinds of fund based and non-fund based as well as secured and unsecured facilities.
• To represent bank before SRO while registration and cancellation of mortgage documents.
• Vetting of Title Scrutiny Reports (TSR) submitted by panel Advocates to confirm that the TSR satisfies the business requirements of the Bank.
• Assist the business/Credit in registering Mortgages wherever necessary.
• Managing legal issues pertaining to creation/registration of Mortgages, Hypothecation, Pledge etc.
• To prepare and vet underwriting documents for loan creation and security perfection.
• To empanel requisite number of panel advocates and ensure prompt handling of cases by panel Advocates.
• Liaise with Courts, Commercial Courts, Arbitration Tribunals, DRTs, Legal Services Authorities, panel Advocates, empaneled Recovery Agents, Consumer Fora etc. and ensure their good relationship with the Bank
• Track changes relating to Stamp duty payable for the different states in the Region and update the stake holders
• Track changes in State specific Laws relating to the Region and update the stake holders.
• Monitor and track cases filed against bank until closure.
• Furnish advisory to Branch Banking, Service Quality, Admin, Vigilance, HR and other departments.
• Drafting and vetting of Police complaints, reverts to notices received from Statutory Authorities, replies to be filed in Court of Law, Banking Ombudsman, etc.,
• To maintain Notice tracker and report them periodically.
• To conduct Legal Audit for eligible Accounts and report to the concerned stake Holders.
• To represent on behalf of bank before Court of Law, Statutory Authorities, etc.,
• To handle any specific issues specially assigned by the Regional Legal Manager.
• SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE NA NA
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business
• To ensure proper execution of loan and security documents at the time of lending by the business and credit teams.
• To ensure legal reports are furnished on time by external counsels.




• To co-ordinate with HUB officials and cluster managers on a regular basis.
• Taking proactive measures in all litigation matters, to ensure earliest closure as also to bring the opponents for negotiating table. Customer
• Assist the respective regional legal teams in end to end management of advisory on lending related security creation and documentation as well as collection and other litigation.
• Communicate/interact with Regulators, Statutory Authorities, District Magistrates, First Class magistrates, consumer courts, Law enforcement Agencies, for resolution of legal issues/ensuring compliance.
• Support the secured lending departments during loan documentation and security creation.
• Co-ordinate with the Advocates and Enforcement Agencies in extending support to Authorised Officers/ Signatories under various provisions of law. Internal Process
• Adhere to timelines in obtaining maintaining TAT, maintenance/reporting of MIS, submission of periodical Statements to Regional/Corporate Legal Department.
• Monitor the timelines of submission of reports/statements, if any, to Government Authorities and Regulators in a timely manner.
• Educate the stakeholders on legal aspects.
• Preparation of MIS and weekly sharing it with the relevant stakeholders in the Region and Corporate.
• To conduct Legal Audit for eligible Accounts and report to the concerned stake Holders. Learning & Performance
• Maintain a database on Applicable laws pertaining to the area of operation, comprising FAQs, dos & don’ts as a ready reference.
• Conduct training on relevant laws/acts to stakeholders on a periodic basis.
• Keeping a track on the latest laws affecting litigation and recovery including SARFAESI (and the relevant decisions) affecting business verticals and proactively advise the business teams about such amendments and its implication.
• Ensure goal-setting, midyear review and annual appraisal process for self within the specified timelines.
• Actively coordinate with respective stake holders in case of any big misses/lapses.




• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications
• Should be a graduate in Law (5 Year/3 Year) as a regular scholar (Full-Time) from a recognised University. Experience(Years and Core Experience Type)
• 8
- 14 Years. Preference will be given to those who have practiced in Courts/Fora/Tribunals as Advocate at least for a period of 2 Year. Should have worked in Legal Departments of a Bank/Financial Institution. Certifications
• NA Functional Skills
• Experience in legal matters relating to:
• General and Commercial Laws
• Civil Procedure Code
• Criminal Procedure Code
• Indian Penal Code
• Evidence Act
• Consumer Protection Act
• RDDB & FI Act and Rules
• SARFAESI Act and Rules
• Enforcement of Security Interest and Recovery of Debts Laws and Miscellaneous Provisions Act
• Commercial Courts Act and Rules
• Insolvency and Bankruptcy Code
• Legal Services Authorities Act
• High Court Civil Procedure Rules
• Arbitration and Conciliation Act
• Negotiable Instruments Act
• Payment and Settlement Systems Act
• Banking Ombudsman Scheme
• Regulatory Guidelines on Recovery/Appointment of Recovery Agents
• Regulatory and Statutory Compliance
• Should have in-depth understanding of matters related to loan documentation and security creation/perfection.
• Proficiency in drafting Legal Notices, Plaints, Written Statements, Versions, Replies, Rejoinders and Criminal Complaints. Behavioral Skills
• Smooth interaction with business/credit teams and Vendors.
• Establish standards of behavior for others and motivate and empower individuals. Competencies
• Ability to address issues during crisis
• Problem solving & critical thinking
• Negotiation skill
• KEY INTERACTIONS INTERNAL EXTERNAL
• The following Departments at Branch and Corporate Office: MSE, Housing, Micro Banking, Rural Banking, Vehicle Personal Loans, and Collections, Risk & Compliance, Finance, Audit, Vigilance, HR, SQ etc.
• Regional Business/Credit Managers and Area Credit Managers/Area Managers
• Regional and Corporate Legal Team
• External Legal Consultants, Law firms, Lawyers
• Statutory and Regulatory Authorities
• Various Courts of Law, Legal Services Authorities, Office of the Banking Ombudsman
• Service Providers, Recovery Agents, Enforcement Agencies, etc. PREPARED BY : Raja Rajeshwaran, Rishabh Gupta DATE : 23 rd June 2023 REVIEWED BY : Abhinav Prakash DATE : 29 th Jan 2025 LAST UPDATED BY : TM Team

📌 Area Manager-Legal (Agartala)
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