CAREER OBJECTIVE :
To excel in the area of sales, credit and make positive contribution to achieve overall objective of organization as well as personal goals.
STRENGTHS :
** Exceptional attention to detail
** Extensive experience in lending to affordable housing industry
** Able to monitor portfolio for trends and warning signs
** Knowledge in vendor management
** Good at delivering high level of customer satisfaction
** Able to aptly apply sound judgements to varying issues
** Able to meet deadlines
** Can work under pressure and with little or no supervision
** Experience in credit administration and loan approval process and procedure
PROFESSIONAL EXPERIENCE :
1. UJJIVAN SMALL FINANCE BANK LTD Coimbatore
Area Credit Manager – Affordable Housing & LAP 09/11/2018 to Till date
Responsibilities :
** Responsible for credit approvals, controls and credit processes for affordable housing loans and mortgages…
** Files decisions as per the AHL product program with the defined TAT as per policy…
** Portfolio quality management, to ensure lower delinquency ratio while maintaining business flexibility, compliance of policies…
** Organized training sessions to credit officers, CCMs, Sales officers, every month regarding any changes in product and process…
** Empanelment of vendors such as CPV, Legal & Technical in different locations…
** Processing of vendor bills and ensuring vendor quality in terms of process and policy
** To interact closely with other functions such as Sales, Operations and Collections etc. in ensuring smooth day to day functioning at location…
** Ensuring timely hiring of manpower.
** Underwriting cases which falls under credit head as per Delegation.
** Hindsight check of loans disbursed.
** Appropriate Intervention to manage ground level risk effectively.
** Ensuring adherence to RBI regulations on documentation and KYC compliance.
** Random customer visits.
** Providing Audit Compliance
** Having 25lacs DOA
** Handling 35 branches in TN & Kerala with the team size of 2 CCM’s & 12 CO’s…
2. MAHINDRA RURAL HOUSING FINANCE LTD Coimbatore
Deputy Manager – Credit (Affordable Housing & LAP) 17/07/2017 to 01/11/2018
** Analysing the proposals sent by credit managers.
** Analysing the risk mitigation of the proposal & Profile.
** Approving proposals within my delegating power as per the company policy
** Recommending the proposals which falls under higher delegations.
** Coordinating with concern Territory Managers& Regional Business Heads.
** Cross verification with the profiles which is sent by credit managers.
** Reviewing monthly performance of the credit managers.
** Guiding and providing product & policy training to the newly recruited credit managers.
** Conducting monthly review meet and product training to the credit managers.
** Conducting branch visits and surprise visits.
** Updating the policy changes & products to the credit team time to time.
** Conducting PD for the higher loan amounts.
** Monitoring sanctions, Disbursements & Outstanding of my cluster.
** Collecting MIS from credit managers, collating and forwarding to SCH & NCH.
** Following up for daily business activities.
** Following up for pending internal queries.
** Compliance of NHB guidelines.
** Compliance of KYC
** Had 8lacs DOA
** Handled 12 branches across TN…
3.
CANFIN HOMES LTD (Sponsor : CANARA BANK) Coimbatore
OFFICER (Housing & LAP) 26-12-2011 – 06-07-2017
** Analyzing applicant’s financial status and credit, income and property values to determine the amount of loan.
** Verifying applicant’s background; Checking Credit Score with CIBIL, contacting employers and looked through other misc. information.
** KYC, Pay slip, Bank statement & ITR verification (RCU).
** Analyzing risk mitigation of the proposal.
** Verifying applicants track record with concern Bank’s, NBFC’s”& FI’s.
** Monitoring appraisal feeding in package and getting sanction with sanctioning authorities.
** Coordinating with Junior officers and DAS’s regarding business.
** Conducting personal Discussion with Applicant’s.
** Developed professional relation with borrowers and builders.
** Monitoring documentation and follow up with customer to clear pending EMT creation.
** Updating Customer and Loan details with CERSAI.
** Pre and Post sanction verification for both employment & Property.
** Coordinating with Panel Advocates and Valuers.
** Monitoring sanctions, Disbursements and Outstanding.
** Achieved all parameters such as sanction, Disbursements, outstanding, Non housing loans.
** Follow up with recovery dept. for recoveries and field visits for NPA customers.
** Monitoring SMA accounts.
** Compliance of NHB guidelines and KYC norms as per RBI.
4. Equitas Micro Finance India Pvt Ltd Coimbatore
SALES OFFICER 04-05-2009 – 31-05-2010
** Lending loans to Self Help Groups
** Achieved 110% of target.
5. ICICI PRUDENTIAL LIFE INSURANCE INDIA LTD Coimbatore
BACK OFFICE EXECUTIVE (Off Role) 25-11-2007 – 28-04-2009
** Processing of Insurance forms
** Term cover Insurance for Two Wheeler Loans.
6. GE COUNTRYWIDE FINANCIAL SERVICES INDIA LTD Coimbatore
SENIOR SALE EXECUTIVE (Off Role) 19-04-2004 – 15-11-2007
** Lending loans to Consumer Durable
** Handled a Showroom and got business from them
** Coordinating with Branch Manager and Sales Manager
** Achieved target on every month.
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