Under the SARFAESI Act, the powers conferred can be exercised by an authorised officer of which entity?

Under the SARFAESI Act and the Security Interest (Enforcement) Rules, the enforcement powers are exercised on behalf of the secured creditor by an authorised officer, who must be an officer not below a specified rank. The authorised officer issues notices, takes possession, conducts the sale of secured assets and issues the sale certificate. The designation of an authorised officer ensures that the powers under the Act are exercised by a responsible official of the secured creditor in accordance with the prescribed procedure.