Operations Officer

List of Documents (LOD) Process – Banking / Loan Processing

Customer Application Received

Customer applies for a loan or financial product.

Document Collection

Collect all required documents from the customer:

Aadhaar Card

PAN Card

Photographs

Bank Statements

Salary Slips / Income Proof

Address Proof

Property Documents (if applicable)

Document Verification

Verify the authenticity and completeness of the documents.

Check for missing, expired, or mismatched information.

Data Entry & Upload

Upload documents to the Loan Management System (LMS) or banking portal.

Update customer details in the system.

KYC Validation

Perform Know Your Customer (KYC) checks.

Verify identity, address, and PAN details.

Income & Eligibility Assessment

Review income proof and bank statements.

Calculate eligibility based on bank policies.

Document Audit / Quality Check

Operations or credit team reviews the document set.

Raise discrepancies if any documents are missing.

Approval Process

Forward the verified file to the credit team for approval.

Sanction & Disbursement

After approval, issue the sanction letter.

Complete agreements and disburse the loan amount.

Simple Flow

Application Received → Document Collection → Verification → KYC Check → Eligibility Assessment → Quality Check → Approval → Disbursement

Key Responsibilities of an LOD Executive

Collect customer documents.

Verify document accuracy.

Follow up for pending documents.

Upload and maintain records.

Coordinate with sales, operations, and credit teams.

Ensure compliance with banking policies.