Nishanth M.K Email & Phone Number

Roles and Responsibilities • Oversaw credit operations for home construction and loan against property loans ensuring adherence to lending policies and regulatory requirements. • Conducted through financial analysis and risk assessing of loan applications, including assessing property valuations and borrower’s creditworthiness.• Developed and implemented credit policies and procedures to streamline processes and mitigate credit risk.• Collaborated with cross functional teams including underwriting, and legal departments to facilitate loan approvals and closings.• Evaluate the borrower credit risk by considering factors such as their credit history, industry risk, market conditions and management quality.• Considering qualitative factors such as the borrower’s reputation, business model and competitive position in the market.• Reviewing KYC documents, GST certificate, last 2 years income tax returns of the borrowers.• Calculating the borrowers Fixed obligation income ratio, debt service coverage ratio, current ratio, quick ratios, and profitability ratios.• Reviewing the technical valuation report, legal report, bureau report of the borrowers and preparing credit analysis monetary report and recommending the loan to the senior management