~ Underwriting small business loans i.e. MEL, Mortgage products. ~ Prepare CAM, Tele PD and Physical PD.~ Appraisal/Approve/Sanction the application within TAT.~ Check the CIBIL score as per policy and also DPD or OD issues.~ If there is any deviation or delinquency, then take approval from hierarchy wise authority according to Client’s eligibility.~ Verify the document from concerned website or through third party vendor, also verify reference check from neighbor during field verification or appraisal. ~ I have manage 18 branch's credit appraisal as per recommendation and planning.~ 3 credit officers are directly reporting to me.~ It is a basically credit team management and credit appraisal of reported branches responsibilities and duties.

~ Underwriting salaried both government and private sector employees also small business MSME loans i.e. PL, Mortgage, MSME products. ~ Prepare CAM, Tele PD, Video PD and Physical PD.~ Approve/Sanction the application within TAT.~ Check the CIBIL score as per policy and also DPD or OD issues.~ If there is any deviation or delequency, then take approval from hierarchy wise i.e. Cluster Risk Manager, State Risk Manager, Regional Risk Manager and Risk Head according to Client’s eligibility.~ Verify the document from concerned website or through third party vendor, also verify reference check from neighbour during field verification or appraisal. ~ Followup collection on daily basis from field officers and concerned supervisors and report to my boss respectively.

I have examine and evaluate the financial system of organization to ensure that it is being run efficiently and economically. And also examine all financial records, including accounting books, payroll records, and equipment and inventory records. Then I submit reports to management on how well organization policies are working and where changes should be made.