Ravindra Kumar Vishwakarma Email and Phone Number

1)Credit to Operation all the worked handling on this organization like login to disbursement.2)File checking all types of cases including check of KYC documents financial statements Bank statements and soft copy property paper for Valuation.3) Prepared the CAM,Analysis Finacial statement last 2 year and Banl statements for Eligibility Underwriting in System.4) Initiation and Co- Ordination of Valuation, legal ,,FCU, and search Report.5) Underwriting of cases including profit and loss and balance sheet prepare and analysis,Banking Analysis, Cibil Assessment.6)Prepare the analysis to customer at the time of PD Visit, recommending for the Disbursal l, all the verification to be check,7) Property paper to be check as per legal report or vetting which type of property.8) Prepare all type of cases self employed and salaried.9)Evaluate and Underwriter complex loan (New loans as well as renewal of loan for LAP and Home Loan ranging from INR 1 lacs to 25 Lacs and ensure adherence to company and industry guidelines.10) Reviewing and recommending loans application above the mandatory/delegated authority to head of risk & Underwriting including full credit & risk report financial analysis- P&L,Balance Sheet,AP/AR report and cash flow statement, calculating Rations like current Ratio,DSCR, FOIR AND DCR.11) Site inspection/ Visit customer as and when requested and provide comprehensive export detailing issues and risks.12) Preparing all the verification, recommendation, disbursement to head over to cheque customer.13) Currently Preparing Recommendation all types of Cases Like home loan,and loan against property and all type of DM and Disbursed in system and OTC, PDD, LOD AND FCL Property Paper L,Vetting report ETC

1)Credit to Operation all the worked handling on this organization like login to disbursement.2)File checking all types of cases including check of KYC documents financial statements Bank statements and soft copy property paper for Valuation.3) Prepared the CAM,Analysis Finacial statement last 2 year and Banl statements for Eligibility Underwriting in System.4) Initiation and Co- Ordination of Valuation, legal ,,FCU, and search Report.5) Underwriting of cases including profit and loss and balance sheet prepare and analysis,Banking Analysis, Cibil Assessment.6)Prepare the analysis to customer at the time of PD Visit, recommending for the Disbursal l, all the verification to be check,7) Property paper to be check as per legal report or vetting which type of property.8) Prepare all type of cases self employed and salaried.9)Evaluate and Underwriter complex loan (New loans as well as renewal of loan for LAP and Home Loan ranging from INR 1 lacs to 25 Lacs and ensure adherence to company and industry guidelines.10) Reviewing and recommending loans application above the mandatory/delegated authority to head of risk & Underwriting including full credit & risk report financial analysis- P&L,Balance Sheet,AP/AR report and cash flow statement, calculating Rations like current Ratio,DSCR, FOIR AND DCR.11) Site inspection/ Visit customer as and when requested and provide comprehensive export detailing issues and risks.12) Preparing all the verification, recommendation, disbursement to head over to cheque customer.13) Currently Preparing Recommendation all types of Cases Like home loan,and loan against property and all type of DM and Disbursed in system and OTC, PDD, LOD AND FCL Property Paper L,Vetting report ETC

Underwriting of all cases including Profit & Loss and Balance Sheet preparation and analysis, Banking analysis, CIBIL assessment.Credit Approval Memo (CAM) Preparation.File Processing, including a check of KYC Documents, Financial Statements and Bank Account statements. Coordination with Legal, Valuation & CPV teams for reports, Processing of bill Payments for vendors.Coordination with collection department for END Use tracking and Track the loan repayments.Personal discussion (PD) with clients.Training of new CPA Staff. Coordinating with sales team for the smooth process of filesCredit to Operation all the worked handling on this Origination like Login toDisbursement.Currently Preparing Recommendation all types of Cases like Home loan and loan againstProperty and all the types of DM and disbursal in the System and OTC, PDD, LOD and FCL,Property Paper, Vetting report etc

Credit to Operation all the worked handling on this Origination like Login to Disbursement.Prepared CAM, Analysis Financial Statement last 2 Year and Bank statement for Eligibility, Underwriting.Underwriting of cases including Profit & Loss and Balance Sheet preparation and analysis, Banking analysis, CIBIL assessmentPreparing the analysis to customer at the time of PD Visit, recommending for the Disbursal, all the verification to be checkProperty paper to be check as per legal or vetting which types of property,Preparing the all type of cases self-employed and Salaried for underwrite complex loans (new loans as well as renewal of loans for LAP and Home loan. Recommending loans applications above the mandatory/delegated authority to head of risk & underwriting, including full credit & risk report, financial analysis- P&L, Balance Sheet, AP/AR report and cash flow statement, calculating ratios like Current Ratio, DSCR, FOIR and DCR.Preparing all the verification, Recommendation, disbursement and Hand over to chequecustomer.Recommendation all types of Cases like Home loan and loan against Property and all the types of DM and disbursal and OTC, PDD, LOD and FCL, Property Paper, Vetting report etc

File Checking All types of Cases including check of KYC Documents, Financial Statements, Bank Statements and Soft Copy Property Paper for ValuationPrepared CAM, Analysis Financial Statement last 2 Year and Bank statement for Eligibility,Underwriting in SystemInitiation &Co-ordination of Valuation, Legal, FCU, RCU and Search ReportUnderwriting of cases including Profit & Loss and Balance Sheet preparation and analysis, Banking analysis, CIBIL assessmentProperty paper to be check as per legal or vetting which types of property,Preparing the all type of cases self-employed and Salaried.

File Checking All types of Cases including check of KYC Documents, Financial Statements, Bank Statements and Soft Copy Property Paper for ValuationPrepared CAM, Analysis Financial Statement last 2 Year and Bank statement for Eligibility,Underwriting in System. Initiation &Co-ordination of Valuation, Legal, FCU, RCU and Search ReportFile Checking like application form, CIBIL and KYC all the applicant and Co-applicant.Banking checking as per policy all the Parameter Bounce, Internal Transaction, EMI, and Loan amount debit and Credit.Financial Statement checking as per policy like Profit, Sale, Expenses, Interest, Director revenue, Director Salary and Depreciation and Balance Sheet Capital, Loan (Secured and Unsecured) liabilities and Assets etcAudit checking ABB(Average Bank Balance), DBR(Debt Burden Ration), FOIR(Fixed Obligation Income) and DCR(Debt Coverage Ratio) all file approval condition checking like OTC,PDD and Deviation & Description Mitigants and Sanction Condition