Rubesh J Email & Phone Number

Coimbatore, Tamil Nadu, India

• Responsible for credit approvals, controls and credit processes for affordable housing loans and mortgages…
• Files decisions as per the AHL product program with the defined TAT as per policy…
• Portfolio quality management, to ensure lower delinquency ratio while maintaining business flexibility, compliance of policies…
• Organized training sessions to credit officers, CCMs, Sales officers, every month regarding any changes in product and process…
• Empanelment of vendors such as CPV, Legal & Technical in different locations…
• Processing of vendor bills and ensuring vendor quality in terms of process and policy…

Coimbatore, Tamil Nadu, India

• Analysing the proposals sent by credit managers.
• Analysing the risk mitigation of the proposal & Profile.
• Approving proposals within my delegating power as per the company policy
• Recommending the proposals which falls under higher delegations.
• Coordinating with concern Territory Managers& Regional Business Heads.
• Cross verification with the profiles which is sent by credit managers.

Coimbatore, Tamil Nadu, India

• Analyzing applicant’s financial status and credit, income and property values to determine the amount of loan.
• Verifying applicant’s background; Checking Credit Score with CIBIL, contacting employers and looked through other misc. information.
• KYC, Pay slip, Bank statement & ITR verification (RCU).
• Analyzing risk mitigation of the proposal.
• Verifying applicants track record with concern Bank’s, NBFC’s”& FI’s.
• Monitoring appraisal feeding in package and getting sanction with sanctioning authorities.

Coimbatore, Tamil Nadu, India

• Direct selling of Mortgage Loans, Business Loans, and Personal Loans.
• Achieved monthly target on every month.
• Coordinating with Sales Manager to achieve team target.
• Coordinating with customer for creating MODTD with Sub – Registrar Office.

Coimbatore, Tamil Nadu, India

• Lending loans to Self Help Groups
• Achieved 110% of target.

Master Of Business Administration - Mba, Finance, General, First Class

Completed through Distance Education

Bcom - Bachelor Of Commerce, Business/Commerce, General