 Underwriting unsecured and secured loans of SME business for Delhi & NCR locations as per credit policy and other credit parameters. Unsecured loan includes business loan up to 35 lacs. Secured loan includes loan against property, machinery loan, medical equipment loan up to 20 crores. Personal discussion with customers at Business places with business verification. Preparing Credit Assessment Memo and recommendation to higher level. Vendor Management (FI, RCU, Legal, Technical and LIP). Performing quality checks, compliance and ensuring TAT (Turn-around-time). Periodic review with regional Fraud Control Units, Field Investigation, Legal & Tech Vendors. Portfolio Analysis, controlling bad debts, ensuring a profitable Portfolio. Dash Board MIS maintenance, PDD Tracker& Audit Compliance. Impart training to Sales team and credit team on Credit Policy. Conducts training as well as motivates and mentor the Agency team.

 Credit Underwriting of Gold Loan& LAP proposals. Having Sanctioning Authority for LAP and Gold loan. Take care of Underwriting of LAP and Gold loan business of (PCH) Chandigarh, Panchkula, Ludhiana, Jalandhar, Ambala, Patiala, Panipat & Dehradun locations. Achieving the credit assessment targets within the specified Turn around Time (TAT) Supervising approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan Analysis of loan applicant's financial statement and risk assessment. Managing complete credit operations with key focus on bottom line profitability by ensuring optimal utilization of available resources. Responsible for staffing , training, mentoring credit resources (BCM, CV) in the region. Responsible for credit audit of entire Chandigarh, Haryana and Punjab gold loan branches. Responsible for vendor management of Chandigarh, Haryana and Punjab locations. Management of chief valuer of gold loan branches and credit staff of LAP Business. Responsible of processes, control and their management. Responsible for setting up and Managing credit underwriting structure across Punjab and ensure adherence on laid down policies & processes, ensure building of a profitable portfolio within permissible TAT. Monitoring Front End bounces and delinquency to keep Healthy portfolio.

 Recommendation & Credit Appraisal of Home Loan& LAP proposals. Take care of Underwriting of mortgage business of Bikaner, Udaipur and Spoke locations. Having sanctioning authority for Salaried and Self employed Non professional and Self employed professional. Managing Credit Processing Agency and Direct Marketing agencies. Validation of documents in the proposal for approval of loan. Responsible for resolution of partly disbursed cases. Responsible for collection of PDDs documents and Audit Query Resolution.

 Credit appraisal of Loan against Property (LAP), Business& Personel Loan. Managed the process of loan portfolio. Visit the all types of customer at their premises& Sanctioning of loan. Checking & analysis of income and financial documents and determine the eligibility of individuals, firms & companies for both small or big ticket size. Evaluating & understanding of Property Papers, lawyer reports, valuation reports, FI reports, ITR& financial.

 Credit appraisal of Loan against Property (LAP), Home Loan, Business Loan, Personel Loan,. Managed the process of loan portfolio. Visit the all types of customer at their premises& Sanctioning of loan. Checking & analysis of income and financial documents and determine the eligibility of individuals, firms & companies for both small or big ticket size. Preparation of final recommendation sheet, financial ratio analysis. Evaluating & understanding of Property Papers, lawyer reports, valuation reports, FI reports, ITR& financial.

 Credit appraisal of Loan against Property (LAP). Take the customer personal interviews & making analysis of that file.  Checking & analysis of income and financial documents and determine the eligibility of individuals, firms & companies. Evaluating & understanding of Property Papers, Legal reports, valuation reports

Audit :• Internal control analysis to make them more effective.• Statutory audit of companies, societies.• Internal & management audit of companies and government institutions.• Tax audit of proprietorship, firms & companies.