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We are looking for a Legal & Documentation Officer to support the Micro LAP business in legal document verification, property/ document scrutiny, loan documentation and legal due diligence. The primary responsibility of this role will be to verify and scrutinize legal and property-related documents submitted for Micro LAP proposals, identify legal/documentation gaps and coordinate with internal teams, customers, field teams and external legal counsel to ensure that loans are processed with proper and legally compliant documentation. The candidate should have a good understanding of property documents, title verification, legal due diligence, loan documentation and basic recovery/legal processes. Language Requirement Mandatory - Hindi Read, Write & Speak: Mandatory - Tamil Read, Write & Speak: Mandatory - English Read, Write & Speak: Mandatory Key Responsibilities 1. Micro LAP Document Verification Primary Responsibility - Conduct detailed verification and scrutiny of legal and property documents submitted for Micro LAP loan proposals. - Verify the completeness, validity and consistency of property-related documents. - Review documents such as: - Sale Deeds - Mother / Parent Documents - Title Deeds - Encumbrance Certificates (EC) - Patta / Chitta - Adangal - Property Tax Receipts - Possession Certificates - Building / Land-related approvals - Legal Heir / Succession documents - Partition / Settlement / Gift Deeds - Power of Attorney documents - Other property and ownership-related records. - Identify discrepancies, missing documents, ownership issues, title defects and other legal risks. - Ensure that documents submitted by customers are properly arranged and meet the prescribed legal/documentation checklist. - Coordinate with external advocates / panel lawyers for title verification and legal opinions wherever required. - Review legal opinions received from panel advocates and highlight observations or concerns to the reporting manager. - Ensure timely completion of legal/document verification within defined TAT. 2. Property & Title Due Diligence - Assist in conducting preliminary legal scrutiny of properties offered as security for Micro LAP loans. - Verify ownership and title-related documents. - Check for apparent encumbrances, competing claims, ownership discrepancies and documentation gaps. - Identify potential legal risks affecting the enforceability or acceptability of the proposed security. - Coordinate with panel advocates for detailed title search and legal due diligence. - Follow up on pending legal reports and documentation deficiencies. 3. Loan Documentation - Prepare, verify and maintain Micro LAP-related legal and loan documentation. - Review loan agreements, sanction-related documents, security documents and other legal documents. - Ensure execution of documents as per approved formats and applicable requirements. - Verify whether required signatures, stamps, witnesses and supporting documents are in place. - Coordinate with Operations, Credit, Business and Branch teams for completion of documentation before disbursement. - Ensure proper filing and maintenance of legal documents and records. 4. Legal Query & Business Support - Provide legal/documentation support to Credit, Business, Operations and Branch teams. - Respond to queries relating to property documents and loan documentation. - Highlight legal/documentation risks before loan processing or disbursement. - Assist in resolving documentation discrepancies and deficiencies. - Coordinate with customers and field teams for obtaining missing or corrected documents. 5. Legal & Recovery Support - Assist the Legal team in recovery-related documentation and legal matters. - Support legal notices, borrower-related legal correspondence and documentation wherever required. - Assist in matters relating to cheque bounce, arbitration, recovery and borrower disputes. - Maintain records of legal cases and documentation assigned to the team. - Coordinate with external advocates and legal vendors when required. 6. Compliance & Process Management - Ensure compliance with internal legal and documentation policies. - Follow prescribed Micro LAP legal checklists, SOPs and approval processes. - Maintain proper records of legal verification and documentation. - Support internal audits and legal audits. - Ensure timely escalation of critical legal/documentation issues. - Suggest improvements to legal documentation and verification processes. 7. Stakeholder Coordination - Coordinate with: - Credit Teams - Business / Sales Teams - Branch Operations - Risk & Compliance - Collections - Panel Advocates - External Legal Firms - Customers / Borrowers - Ensure timely closure of legal and documentation observations. Preferred Candidate Profile - LLB / LLM from a recognized university. - 05 years of experience in Legal, Documentation, Property Verification or Legal Due Diligence. - Fresh law graduates with strong knowledge of property .