Currently working as Branch Credit Manager with Greater Kolkata Location of IDFC First Bank in MBL Segment from August 2024 till now whereby job involves:* Identify and assess credit and other risk areas.* Carry out detailed and independent credit evaluation for underwriting.* Client Visit to gather deal requirements , financial and other information necessary for underwriting and other inputs for performing quality analysis and thorough due diligence.* Ensuring proper Compliance of company policies, Legal & regulatory regulations in loan sanctioning, disbursements and post disbursement process.* Preparation and presentation of Loan Eligibility statements and key financial ratios to deduce Loan Eligibility.* Prepairing credit appraisal note.

* Credit Department Looking Business Loan & Working Capital (Overdraft).* Managing the Whole Process from Login of a File till Disbursement among Credit and Sales with Team Members & Sales Coordinators.* Preparation of complete CAM data including Projections and generating the CIBIL - CRIF report and checking whether all the required norms are complied or not.* Analysis of complete file including the last 12 months banking, GST returns, ITR's, P&L , Balance sheets and checking the doability of the case.* Visiting the premises of the client, analyzing the working system, business model, resolving the queries arising from analysis of financials.* Adhering to all of the bank's strict security, audit and compliance requirements.

• An analyzing of financial information of customer and check the eligibility of the customer either he/ she to repay the loan with the help of various aspects as per the case and check the financial ratios of the company to qualify for the loan which they are actually applied for. • I am also assigned the role of reviewing the credit limits of the customer to determine if they qualified for increase their credit limits with the help of their repayment history, amount of monthly obligation, defaulting on credit and whether the current financial condition allows to meet their financial Obligation. • As a credit analyst I’m responsible for several tasks and providing the risks related to lending the customer as per their credit worthiness.• I am also engaging since log in to prior final disbursement of the loan with the help of various phase.

* Credit Department Looking Lap & Home Loan.* Login of Files After Confirming All The Compliance's of Documents For KYC (Know Your Customer)* Checking files in credit point of view.* Complete process of files login to disbursement stage.* Making CAM, Financial and Banking of every login files.* Credit Processing Generate The Customer Cibil- Crif (High Mark)* Processing for system entry & Document Verification i.e. Legal Document, Valuation Report, Title Search.* Coordinating with Legal vendors for Registry and all other purposes.* Management of relationship with all the vendors from reports to bill processing.* Receiving FSD and all other original docs and hand over to Operation after system clearance.* Adhere to credit policy and guidelines.