Kaushal Mittal Email and Phone Number

o Developed an efficient and productive team of senior managers and officers, responsible for managing whole branch in relation with sanction, disbursal, administration, customer service, PDD tracking and collection.o Highly appreciated for managing branch, giving satisfactory services to customer within committed turnaround time.o Examining, evaluating, reporting, and recommending improvements on the adequacy and effectiveness of risk assessment processes, analysis of delinquent cases, reject cases etc.o Appraising disbursement dockets, involves appraising legal documents of residential and commercial properties.o Interacting with the customers at customer business place for better credit decisioning, resolving their concerns and cross-selling third party products; to ensure customer satisfaction.o Imparting training to the sales and credit team on Mortgage Loan Policy.o Responsible for vendor management and recruitment, training of back office & credit managers.

o Analysis of credit proposals especially for self-employed, undertaking risk analysis.o Scrutinizing relevant documents before sanctioning / disbursing loans.o Sanctioning loan to the client(s) as per the norms adhering to the loan eligibility criterion based on the credit model of the company.o Authorised to give final decisions for sanction and disbursal with a sanction power of upto INR 35 Lac.Awards and Recognitiono Honored with Excellence Customer Service First Award in Mortgage Department, ICICI Bank Ltd., North Region, India from the Managing Director Ms. Chanda Kochhar in the year 2012.o Recruited in campus interview of ICICI Bank Ltd. held in The Institute of Chartered Accountants of India (ICAI) as Branch Credit Manager-Mortgage. Within 6 months of span, delegated the sanction authority of INR 35 Lac.