Underwriting Secured Term loans (LAP), Overdraft and Supply Chain products.Personal Discussion with customer about to know the business stability, income, Asset creation, repayment capacity, etc.,Obtained and reviewed credit reports, references financial statements to establish credit limits for new accounts.Analyzed applicant’s financial status and credit and property evaluations to determine loan feasibility.Worked with Multiple assessment programs of ITR, Cash flow, LIP assessed cash flow, Banking Surrogate, RTR Surrogate, Income Multiplier, etc.Underwritten both Term Loan and Overdraft exposures of ticket size up to Rs.300 lakhs.Coordination with CPV, Legal and Technical to ensure TAT and quality files.To ensure completion of credit / KYC documents and verification telephonic, field & collateral visits.Maintaining Daily and Monthly Credit MIS tracker for End to End Process.Worked with LOS, Lendperfect and SFDC to perform credit appraisals, document verification, uploads and disbursements.Co-coordinating with collection Team for early bucket cases.Account management process for large ticket disciplines of the cases belongs to Chennai, Pondicherry, Coimbatore, Salem locations.

Underwriting Secured Term loans (LAP), Overdraft and Supply Chain products.Personal Discussion with customer about to know the business stability, income, Asset creation, repayment capacity, etc.,Obtained and reviewed credit reports, references financial statements to establish credit limits for new accounts.Analyzed applicant’s financial status and credit and property evaluations to determine loan feasibility.Worked with Multiple assessment programs of ITR, Cash flow, LIP assessed cash flow, Banking Surrogate, RTR Surrogate, Income Multiplier, etc.Underwritten both Term Loan and Overdraft exposures of ticket size up to Rs.100 lakhs.Coordination with CPV, Legal and Technical to ensure TAT and quality files.To ensure completion of credit / KYC documents and verification telephonic, field & collateral visits.Maintaining Daily and Monthly Credit MIS tracker for End to End Process.Worked with LOS, Lendperfect and SFDC to perform credit appraisals, document verification, uploads and disbursements.Co-coordinating with collection Team for early bucket cases.Account management process for large ticket disciplines of the cases belongs to Chennai, Pondicherry, Coimbatore, Salem locations.

Underwriting Loan against property, Unsecured Business Loans, Secured Business loans.Personal Discussion with customer about to know the business stability, income, Asset creation, repayment capacity, etc.,Obtained and reviewed credit reports, references financial statements to establish credit limits for new accounts.Analyzed applicant’s financial status and credit and property evaluations to determine loan feasibility.Worked with Multiple assessment programs of ITR, Cash flow, etc.Underwritten both Term Loan and Overdraft exposures of ticket size up to Rs.50 lakhs.Coordination with CPV, Legal and Technical to ensure TAT and quality files.To ensure completion of credit / KYC documents and verification telephonic, field & collateral visits.Maintaining Daily and Monthly Credit MIS tracker for End to End Process.Worked with SFDC to perform credit appraisals, document verification, uploads and disbursements.

Started career at Jana Small Finance Bank (Initially Known as Janalakshmi Financial Services) as Executive Credit Underwriter by handling Credit operations for Secured and Unsecured Business Loans.Secured and unsecured files documentation, account creation and disbursement processing.PDD follow-up with customer and business Team.Post Disbursement process of NACH/ECS registration Process, End-use monitoring visits, Storage process.Legal, Technical, FCU, ROC initiation and coordination with vendors.Coordination with CPV, Legal and Technical to ensure TAT and quality files.Maintaining Daily and Monthly Credit MIS tracker for End to End Process.Worked with SFDC to perform credit appraisals, document verification, uploads and disbursements.

Worked as Junior Processor at CodeMantra Pvt ltd for 1 year and 6 months.QA analyzing with XML schema, XHTML, ePub2 and ePub3Experienced in working with XML processing toolsKnowledge of web service designing, testing, coding

Epsilon Programming, Adobe Photoshop, Acrobat, Digital Edition, MS - Excel, Word, PowerPoint and Web EQ Editor.Worked with Multiple Projects in ePublishing like Pearson, Yale, Ashgate, etc.,