Dravidamani R Email & Phone Number

Chennai, Tamil Nadu, India

Virudhunagar, Tamil Nadu, India

Handling MSME Loan (Unsecure and Secure with 12 MSME Branches Handling) Virudhunagar, Sivagangai, Devakottai, Tiruvannamalai, Gingee, Vandhavasi, Coimbatore, Tirunelveli, Nagercoil, Salem, Namakkal.

Coimbatore Area, India

Salem Area, India

Kisan Credit Card, Former equipment, Self help Group loan, Education Loan and Corporate LoanPreparing CAM and check loan eligibility bases on valuations and credit parameters. Analysis of banking summery and will understand Banking transaction of the customersAnalyzed processes and recommended ways to improve working and updating technologies.Ensured all work in compliance to departmental policies and procedures.Managed all interaction with customers.Provided good training to subordinates. Regular visit to Legal office to meet Advocate for vetting the documents and taking care of MOMENDERAM OF ENTRY/ MOE CANCELLATION Process at Register office for Mortgage.Preparing CAM and check loan eligibility bases on valuations and credit parameters. Issuing List of Documents to the Customers. Daily Maintaining of MIS Disbursement data, Collection updated details.Dispatching the Disbursement files, original documents and Receipts to HO within the TAT.Securing every month without Audit Error.No delay in Vendor payment and collection amount deposited on time without any delayGiving credit training to Sales team. Smooth process.Maintained good working conditions and ensured optimal levels of customer services.Coordinated with various departments and provided feedback to all.Analyzed processes and recommended ways to improve working and updating technologies

Kumbakonam Area, India

Along with credit Team will go for Personal Discussion to understand the Customer Cash Flow and check the repaying capacity and will identify customer indentionVerifying the Original Documents and Property Papers as per Legal and Valuation Report for LAP ProductRegular visit to Legal office to meet Advocate for vetting the documents and taking care of MOMENDERAM OF ENTRY/ MOE CANCELLATION Process at Register office for Mortgage.Property visit will Done by self to re-check the collateral value and will check any risk Demolition Preparing CAM and check loan eligibility bases on valuations and credit parameters. Analysis of banking summery and will understand Banking transaction of the customersIssuing List of Documents to the Customers. Daily Maintaining of MIS Disbursement data, Collection updated details.Dispatching the Disbursement files, original documents and Receipts to HO within the TAT.Securing every month without Audit Error.No delay in Vendor payment and collection amount deposited on time without any delayGiving credit training to Sales team. Smooth process.Maintained good working conditions and ensured optimal levels of customer services.Coordinated with various departments and provided feedback to all.Analyzed processes and recommended ways to improve working and updating technologies.Ensured all work in compliance to departmental policies and procedures.Managed all interaction with customers.Provided good training to subordinates

Kumbakonam Area, India

2014 – 2015 We getting Managing Director award for Kumbakonam BranchComplete Operation Process like file checking and Boarding the case in the system for Secured and Unsecured Products like PL, BL, LAP, LAG, Car loans, etc.Verifying the Original Documents and Property Papers as per Legal and Valuation Report for LAP ProductRegular visit to Legal office to meet Advocate for vetting the documents and taking care of MOMENDERAM OF ENTRY/ MOE CANCELLATION Process at Register office for Mortgage.Property visit will Done by self to re-check the collateral value and will check any risk Demolition Preparing CAM and check loan eligibility bases on valuations and credit parameters. Analysis of banking summery and will understand Banking transaction of the customersIssuing List of Documents to the Customers. Along with credit Team will go for Personal Discussion to understand the Customer Cash Flow and Check the repaying capacity and will identify customer indentionDaily Maintaining of MIS Disbursement data, Collection updated details.Dispatching the Disbursement files, original documents and Receipts to HO within the TAT.Securing every month without Audit Error.No delay in Vendor payment and collection amount deposited on time without any delayGiving training to Sales team Ops Executive for smooth process.Supervised efficient working of all operation works.Administered all employees and assessed all performance in everyday activities. Maintained good working conditions and ensured optimal levels of customer services. Coordinated with various departments and provided feedback to all. Analyzed processes and recommended ways to improve working and updating technologies. Ensured all work in compliance to departmental policies and procedures. Managed all interaction with customers. Provided good training to subordinates.

Salem Area, India

Pre Disbursement checkingFiles Quality checking and Dispatch to CUP (Control processing unit)Communicate the status with Sales, Credit & CollectionsReporting with Regional Operation Manager with regard to OPS related MISReview of files with respect to Pre- Approval DocumentationResolution of discrepancies by coordinating with Sales and credit personsProcess the files as per the Process Rules and insert the data into system. Keeping the tracks of all the activities done to a particular Car Loan fileControlling & tracking of funds movement & application of funds towards loans

Erode Area, India

Maintaining Month End MIS, DCTAlong with credit Team will go for Personal Discussion to understand the Customer Cash Flow and check the repaying capacity and will identify customer indentionCommunicate the status with Sales, Operations & CollectionsMaintaining Vendor AgencyMaking Awareness callCoordinating with Credit Manager with regard to Credit related MISSending approval Credit approval Mail to BCM