Narinder Kumar Email & Phone Number

Chandigarh, Ch, In

Chandigarh Area, India

•Credit Appraisal/Underwriting of Housing Loan, Loan against Property .•Underwriting authority of Rs. 65 Lakh for Housing Loans •Ensure that the Product program is properly followed & responsible for the application process from login to disbursement & Implementation of processes, Compliance for the Branch.•To decision & recommendation on loan applications within the prescribed TAT and creation of a quality credit portfolio through adherence to policies and credit processes.•Pre sanction & Post sanction file process & review, Legal & technical resolution of property to be Mortgage & Scrutinizing security documentation and perfection of security / collateral.•Responsible for Sourcing qualiy Business for Branch for Housing Loan & Loan Against Property through DSA & Builders tieups. Also Responsible for Branch Profitability. •Review of portfolio with respect to delinquency/losses/fraud of the portfolio & Manage & initiate Legal for Delinquent Cases as Authorized Person for-Sarfaesi act, u/s 138, Civil Suits, and Arbitration.

Chandigarh Area, India

•Credit Appraisal/Underwriting of Housing Loan, Loan against Property Loans for Chandigarh Region.•Underwriting authority of 50 Lakh for Housing Loans & Loan against Property & Appraising Mortgage proposals with the ticket size of 10 Lakh to 15 crores.•Earlier also handled Business Loans, Persona Loans & Consumer Durables Loans•Ensure that the Product program is properly followed & responsible for the application process from login to disbursement & Implementation of processes, Compliance for the region.•To decision & recommendation on loan applications within the prescribed TAT and creation of a quality credit portfolio through adherence to policies and credit processes.•Pre sanction & Post sanction file process & review, Legal & technical resolution of property to be Mortgage & Scrutinizing security documentation and perfection of security / collateral•To enroll Credit Processing agencies (CPAs), set processes and systems and monitor activities.•Vendor management.- CPV, Legal, Technical, FCU•To manage the Sourcing and portfolio analysis for the zone & responsible for the Audit and relevant Regulatory compliance.•Closely monitor competition activities and providing feedback/ suggestions to the concerned teams & Market Research and Feedback for new product launch & Feedback on credit policy based on market conditions.•Review of portfolio with respect to delinquency/losses/fraud of the portfolio & Manage Legal for Delinquent Cases-u/s 138, Civil Suits, and Arbitration.

•Credit appraisal/Underwriting of Personal Loan and Business Loans applications of Haryana Region includes-Ambala, Karnal, Kurukshetra,Panipat,Yamunanagar. •Responsible for handling a team consisting of 5 Credit officers.•To decision & recommendation on loan applications and creation of a quality credit portfolio through adherence to policies and credit processes.•Implementation of processes for the region & Vendor management.•Conducting refresher training/ other trainings at regular intervals and updating the underwriting team on the process/ policy change.•To manage the Sourcing and portfolio analysis for the zone and providing feedback to Policy team and Interaction and feedback to RCU.•Closely monitor competition activities and providing feedback/ suggestions to the concerned teams.•To enroll Credit Processing agencies (CPAs), set processes and systems and monitor activities.•To maintain a healthy credit portfolio (delinquency Mgt).

•Credit appraisal/Underwriting of TW and Personal Loan applications.•To decision & recommendation on loan applications and creation of a quality credit portfolio through adherence to policies and credit processes.•To manage the CPA team •To manage the credit/portfolio Quality, Vendor Management.•To enroll Credit Processing agencies (CPAs), set processes and systems and monitor activities •To maintain a healthy credit portfolio (delinquency Mgt)•Ensure maintenance of cordial relationships between all subordinates, peers, superiors, banks, dealers, dealer salesmen and customers.•To maintain relationship and achieve customer satisfaction (internal customers/agencies)

•Credit appraisal/Underwriting of TW and Personal Loan applications.•To decision & recommendation on loan applications and creation of a quality credit portfolio through adherence to policies and credit processes.•To manage the CPA team •To manage the credit/portfolio Quality, Vendor Management.•To enroll Credit Processing agencies (CPAs), set processes and systems and monitor activities •To maintain a healthy credit portfolio (delinquency Mgt)•Ensure maintenance of cordial relationships between all subordinates, peers, superiors, banks, dealers, dealer salesmen and customers.•To maintain relationship and achieve customer satisfaction (internal customers/agencies)

Certified Credit Professional

Caiib, Risk Management

Jaiib

Diploma In Banking & Finance

Mba, Finance

Graduation, B.Com

10+2, Commerce

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