Aarthy K Email & Phone Number

India

Chennai, Tamil Nadu, India

Operational Activities: Post Disbursement activities (For Loan Account Opening) – Ensuring KYC documents, executed loan documents, compliance to pre disbursement conditions are adhered to Bank Policies. CERSAI Registration - Handing CERSAI Registration for Mortgage loan Post Disbursement Compliances Activities - Monitoring if Branches are adhered to collect documents related to post disbursement process such as Sanction order compliance, Insurance copy, Tax paid receipts, disbursement proof (DDR / RTGS / Other payment modes). Handling and processing of customer service request such as Loan Closures (Pre-Payment / Maturity Closures, CERSAI Cancellation, Rescheduling of Loans (Interest Rate Reduction, VLL Rescheduling after Holiday Period, Staff Festival Advance, SCOD Renewals)Credit Underwriting: Experience in credit underwriting with specialization in Secured and Unsecured Products such as ( Home Loan, Mortgage Loan, Staff Housing Loan, Personal Loan, Vehicle Loan, Educational Loan, Loan Against Shares) Ensuring loan application and documents are collected as per checklist maintained for different products. Eligibility check and customer profile check in line with CIBIL records. Validation on legal, encumbrance certificate and property valuation reports for Mortgage loan. Preparing credit proposal Note and presenting it to Credit committee member upon loan approvals. Sanction orders and MIS sheet will be prepared basis credit committee approval instruction and mail / physical communication will be sent to branches. Ensuring credit policies are applied and applications are processed without discrepancies.

Chennai, Tamil Nadu, India

 Handling Credit Card Underwriting process. Performing the functions of assessing creditworthiness of clients. Auto decline evaluation, Contact Point verification profiling, Customer Profiling, CIBIL Profiling, Limit evaluation, Auto approval evaluation. Managed underwriting and fulfillment functions for special segment of ‘Preferred’ portfolio who are high net worth customer Evaluate financial and available other credit information prior to card issuance for individuals Follow prescribed policy, review loan applications and other KYC documents to insure accuracy Evaluate and determine the capacity of borrowers to repay their financial obligations Assigning the credit limit to the customer’s basis their creditworthiness Ensure to achieve the target/productivity with quality within the time period. Maintain turnaround times for loan applications submitted Handled regional Queries/Complaints of the customer and provided accurate response  Perform quality checks for the team

Chennai, Tamil Nadu, India

 Handling Credit Card Underwriting process. Performing the functions of assessing creditworthiness of clients. Auto decline evaluation, Contact Point verification profiling, Customer Profiling, CIBIL Profiling, Limit evaluation, Auto approval evaluation. Managed underwriting and fulfillment functions for special segment of ‘Preferred’ portfolio who are high net worth customer Evaluate financial and available other credit information prior to card issuance for individuals Follow prescribed policy, review loan applications and other KYC documents to insure accuracy Evaluate and determine the capacity of borrowers to repay their financial obligations Assigning the credit limit to the customer’s basis their creditworthiness Ensure to achieve the target/productivity with quality within the time period. Maintain turnaround times for loan applications submitted Handled regional Queries/Complaints of the customer and provided accurate response  Perform quality checks for the team

Master Of Business Administration - Mba, Finance & Human Resource, 7.5 Gpa

Bachelor Of Computer Science - Bsc, Computer Science, 7.6