Sanjay Jena Email and Phone Number

Experience in Credit Management, Financial Analysis, Loan Processing and underwriting skills, Skilled in supervising the credit granting process, optimizing company sales and reducing bad debt losses by maintaining the credit policy & assessing the creditworthiness of potential customers and conducting periodic reviews of existing customers. .Experience in verifying & scrutinizing the documents of customer i.e. (KYC, Salary Slip, Bank Statements, and so on) in Sanction Files, & Rejection… Show more Experience in Credit Management, Financial Analysis, Loan Processing and underwriting skills, Skilled in supervising the credit granting process, optimizing company sales and reducing bad debt losses by maintaining the credit policy & assessing the creditworthiness of potential customers and conducting periodic reviews of existing customers. .Experience in verifying & scrutinizing the documents of customer i.e. (KYC, Salary Slip, Bank Statements, and so on) in Sanction Files, & Rejection. Underwriting credit in MSME Loan LAP, Mortgage Loan, Business Loan, Working Capital, Personal Loan, and Consumer Loan. Checking and verifying all required documents (KYC, income documents, bank statements and so on) and property, legal & technical clearance . Conducting Personal Discussion (PD) with applicant of Business Loan, Working Capital, and SME Loans to establish creditworthiness, ensuring completion of credit/KYC documents and verifying by telephonic conversations, field & collateral visits. Preparing reports/CAMs with the credit information available to facilitate the decision-making process and diligently conducting Personal Discussion and customer visits . Validating CDD documentation provided by the business independently from various websites and vendors and requesting missing documentation. Completing the necessary forms and documentation required to support CDD as fully audit-able. Maintaining and reporting Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster. Show less

Responsible to ensure highest level of compliance with laid down guidelines & portfolio quality norms & building a fraud free culture,Experience in underwriting of retail assets products like LAP&HL,Personal visit and discussion with retail products including business & collateral visit.Co-ordination with branches for response on individual cases,Review of sanctioned files and disbursement dockets vis-a -vis operating guidellines and policies for LAP & Home loans together with report from Legal… Show more Responsible to ensure highest level of compliance with laid down guidelines & portfolio quality norms & building a fraud free culture,Experience in underwriting of retail assets products like LAP&HL,Personal visit and discussion with retail products including business & collateral visit.Co-ordination with branches for response on individual cases,Review of sanctioned files and disbursement dockets vis-a -vis operating guidellines and policies for LAP & Home loans together with report from Legal and Technical agencies.Preparing reports/CAMs with the credit information available to facilitate the decision-making process and diligently conducting Personal Discussion and customer visits ,Evaluating the financial transactions & credit history of every loan aspirant,Following the KYC documentation for Audit Risk and compliance purpose,Drafting finance documents such as Loan Agreement, Pledge agreement, Legal documents and preparing Compliance, Audit and Credit reports,Scrutinizing loan documentation, clients profile, loan valuation and disbursement,Dealing with customer service issues and managing all banking operations,Bank statement analysis , prepared audit report, Prepared MIS & Compliance query. Show less

Experience in Credit Management, Financial Analysis, Loan Processing and underwriting skills, Skilled in supervising the credit granting process, optimizing company sales and reducing bad debt losses by maintaining the credit policy & assessing the creditworthiness of potential customers and conducting periodic reviews of existing customers. .Experience in verifying & scrutinizing the documents of customer i.e. (KYC, Salary Slip, Bank Statements, and so on) in Sanction Files, & Rejection… Show more Experience in Credit Management, Financial Analysis, Loan Processing and underwriting skills, Skilled in supervising the credit granting process, optimizing company sales and reducing bad debt losses by maintaining the credit policy & assessing the creditworthiness of potential customers and conducting periodic reviews of existing customers. .Experience in verifying & scrutinizing the documents of customer i.e. (KYC, Salary Slip, Bank Statements, and so on) in Sanction Files, & Rejection. Underwriting credit in MSME Loan LAP, Mortgage Loan, Business Loan, Working Capital, Personal Loan, and Consumer Loan. Checking and verifying all required documents (KYC, income documents, bank statements and so on) and property, legal & technical clearance . Conducting Personal Discussion (PD) with applicant of Business Loan, Working Capital, and SME Loans to establish creditworthiness, ensuring completion of credit/KYC documents and verifying by telephonic conversations, field & collateral visits. Preparing reports/CAMs with the credit information available to facilitate the decision-making process and diligently conducting Personal Discussion and customer visits . Validating CDD documentation provided by the business independently from various websites and vendors and requesting missing documentation. Completing the necessary forms and documentation required to support CDD as fully audit-able. Maintaining and reporting Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster. Show less

Branch operation and Credit ,Mis, Loan process, Kyc documentation, Administration, Audit and compliance, Check documentation with proper validation, loan process and disbursement, Credit underwrite, credit assessment ,risk and compliances .