CM- Small Business Enterprises, Business Loans (Secured/Un-sec)

Responsible for underwriting retail asset products: Home Loans, Mortgage, Farm Equipments, Commercial Business Loans, Agri- OD/TL, Personal Loans & Business Loans., Vendor Management, Monitoring of portfolio(infant loan facilities, early mortality cases, >90 days cases etc.)

• Appraisals in LOS & Preparation of credit appraisal notes for the Agri lending high ticket cases (KCC)• Accountable for the entire credit granting process of hubs (7 branches)• CAM review/renewal on yearly/third year basis after due checks• Analyzing existing portfolio, quality, stressed area, identifying red zones• To interact with approving authority and provide them adequate information• Sanction authority upto 25 Lacs & appraising authority upto 5 Cr.• Vendor… Show more • Appraisals in LOS & Preparation of credit appraisal notes for the Agri lending high ticket cases (KCC)• Accountable for the entire credit granting process of hubs (7 branches)• CAM review/renewal on yearly/third year basis after due checks• Analyzing existing portfolio, quality, stressed area, identifying red zones• To interact with approving authority and provide them adequate information• Sanction authority upto 25 Lacs & appraising authority upto 5 Cr.• Vendor Management (Lawyer / Valuator) – Payment, dispute resolution etc• Managed 5 CPA staffs (Vendor Pay Role) Show less

• Appraisals, Underwriting & Preparation of credit appraisal notes for the Agri lending(KCC), Vehicles & Farm equipment products,• Accountable for the entire credit granting process of 14 branches in 2 clusters (Bhopal & Central MP),• CAM review/renewal on yearly/third year basis after due checks,• Analyzing existing portfolio, liquidity position, OD status, branch performance,• Viewing business & individual liquidity position, repayment capacity etc.• Handled collection… Show more • Appraisals, Underwriting & Preparation of credit appraisal notes for the Agri lending(KCC), Vehicles & Farm equipment products,• Accountable for the entire credit granting process of 14 branches in 2 clusters (Bhopal & Central MP),• CAM review/renewal on yearly/third year basis after due checks,• Analyzing existing portfolio, liquidity position, OD status, branch performance,• Viewing business & individual liquidity position, repayment capacity etc.• Handled collection, legal and NPA accounts; Customer visits, joint discussions,• Coordination with SLBC, AIC, HDFC ergo for insurance related issues• To interact with approving authority and provide them adequate information,• Vendor Management (Lawyer / Valuator) – Payment, dispute resolution etc,• Visit on large accounts to handle the interest repayment queries and relationship building. Show less

• Credit appraisals of Agri retail and business profile proposals,• Bring constant improvement in the process to better the policy and business,• Analyzing the sales recommendations of retail and business KCC loan applications,• Customer visits, Site visits and analyzing liquidity and repayment capacity,• Maintain the corporate credit policy and make the local amendments,• Monthly Training & Meeting with the CPA and Sales staff,• Investigation of the post-sanction cases… Show more • Credit appraisals of Agri retail and business profile proposals,• Bring constant improvement in the process to better the policy and business,• Analyzing the sales recommendations of retail and business KCC loan applications,• Customer visits, Site visits and analyzing liquidity and repayment capacity,• Maintain the corporate credit policy and make the local amendments,• Monthly Training & Meeting with the CPA and Sales staff,• Investigation of the post-sanction cases as per the local policies and processes to improve the decision making quality,• Responsible for the proper flow of legal activities and property valuations,• Support in driving quality sales via NPA / Likely NPA analysis,• Periodic credit review and renewals. Show less

• Coordination for project execution at Circle level among 6 Zones across Madhya Pradesh,• Credit policy implementation and process improvements for postpaid,• Analysis of Corporate billing and error identification in the billing software,• Taken care of different tools like CIBIL Automation, Experian and AMDOCS,• Corporate Account Visit, Retail Store Visits (COCO-FOCO) on fortnightly basis,• Product management, customer base mapping and marketing… Show more • Coordination for project execution at Circle level among 6 Zones across Madhya Pradesh,• Credit policy implementation and process improvements for postpaid,• Analysis of Corporate billing and error identification in the billing software,• Taken care of different tools like CIBIL Automation, Experian and AMDOCS,• Corporate Account Visit, Retail Store Visits (COCO-FOCO) on fortnightly basis,• Product management, customer base mapping and marketing management,• Presentations & Training on the newly launched products/processes to the Departmental Heads/Vertical Heads/Trainees,• Vendor Management/Business Channel Partner Management (BCPM),Finding the requirements and raising system automation and deployment Show less