Jul 2022 – Dec 2022 · 5 mos · Lucknow, Uttar Pradesh, India

• Key Result Areas:
• Credit Risk appraisal for customers:
• Sanctioning/Appraising/Recommending/
• Underwriting the credit worthiness of the
• applicants & ensuring timely & efficient processing of loan applications
• Conducting PD with customers & assessing the credit worthiness of the Customer and eligibility sheets as per assessment criteria and policy conditions.
• Pre-sanction and post-sanction file process.
• Responsible for Audit and relevant regulatory Compliance.
• Coordinate & Monitoring with external vendors Like Field Investigating agencies & maintaining TAT.
• Conducting training session for the team
• members for updating them with the latest policy/process changes, & enhancing their product knowledge on a regular basis and thereby building volumes in line with the business plan of the organisation.
• Reporting & MIS on Daily Bases.

Nov 2018 – Jul 2022 · 3 yrs 8 mos

• Plan and supervise to meeting with customers for PD.
• Preparing Cash Flow Analysis & Credit Appraisal Memo.
• Underwriting of Business Loan.
• Ensure that all credit and loan standards were applied.
• Verification of KYC and documents of all loan and credit requests.
• EUC (End use check) of all loans.
• Ensure nil default of existing customers by regular follow up.
• Proper coordination with the team members and various departments.

Mar 2017 – Nov 2018 · 1 yr 8 mos · Lucknow, Uttar Pradesh, India

• Credit Underwriting & File processing for Working Capital Products (Both Secured and Unsecured Loans) including Fund Based & Non Fund Based
• Processing of File for all products for Four Major Location like Lucknow, Kanpur, Allahabad & Varanasi.
• Preparation of Financials & Doing Basic Assessments & Evaluation for both Secured and Unsecured Loans.
• Initiation & Processing & follow-up of all Legal & Technical Reports & Involve resolution of all Queries related to the same.
• Preparation of Final MIS and submitting the same to Central Office.

May 2015 – Mar 2017 · 1 yr 10 mos · Lucknow, Uttar Pradesh, India

• File Processing: - To check all Files and capture all the detail in LS and Idea sme.
• TAT management: - Maintaining excellent service levels (TAT) to the customer with very low reworks, and increasing efficiency of operations.
• Maintaining MIS on daily basis of products. Keep a track of monthly, weekly & daily volume and provide it to the management timely.
• Co-ordinating with CPA locations- Agra, Lucknow and Kanpur.
• Compliance Audit: - Complying with the internal compliance policies, guidelines and external regulatory
• ordinance.
• Systematically arranging KYC and other credit documents in file.
• Responding early to deadlines and working efficiently under pressure.