PL & CD LOANS

Credit Analysts for BL &PL.

Credit Manager

Working as Deputy Manager - Retails Asset Credit - Unsecured Loan - Business Loan, Personal Loan, Self Employed Personal Loan(SEP) & Consumer Loans - Risk Evaluation.Under Business Loan has done through analysis of Ratio`s, Financial analysis, DSCR calculation, Future evaluation & position of Company to repay Debt & Interest.Under Personal Loan has done through analysis of Income Eligibility, Risk analysis, FOIR calculation.Under SEP Loan has done through analysis of applicants Income & Expenditures, Applicants ability to repay Debts & Interest, Docs association with Hospitals, Number of yrs in Practice, Client they deal with.Job area also includes vendor management specially out-sourced agencies which includes CPV & CPA. (Contact Point Verifiers & Credit Processing Agencies). It also include RBI Defaulter list checking, Following RBI guidelines. Maintaining ISO processes is one of the key areas. Major assignments which are needed to be done to achieve the objectives are as follows :-a) Maintaining specified TAT (Turn Around Time)b) Zero pendencyc) Accurate & correct decisioning & d) Taking care of customer delight.Further, fraud management is one of the key areas which the above job demanded. Fraud management includes both identifying & detection of fraud to safeguard the portfolio.Achievements: 1)Having the second(2nd) most least pendency loan work in PAN INDIA with a percentage of 0.71%.2)Having 2nd best TAT (Turn Around Time) in PAN INDIA.3)Received Silver Star award for outstanding Performance. Business Loan processed of following companies.Alliance Broadband Service Pvt LtdDream Digital IncLucky PharmaK. K. EnterprisesS. D. Group

Rendered audit and assurance services in the form of Statutory, Internal audits, Company law matters and Income Tax Matters either independently or in a team.Major Clients handled by me : INTERNAL AUDIT Lakhotia Medical Center Beeu Hotels(P) Ltd Samilton Hotels(P) Ltd Anapurna Hotels(P) Ltd Vijay Impex(P) Ltd Magnet Footware(P) Ltd Sagun Udyog(P) Ltd Usha Udyog(P) LtdWhile in Internal Audit performed following activities for the concern stated above:Efficiency of operations, the reliability of financial reporting, deterring and investigating fraud, safeguarding assets, and compliance with laws and regulations, frequently involving in measuring compliance with the entity's policies and procedures. STATUTORY AUDIT Bhawani Polypac (P).Ltd Camac Electronics Private Limited S.A.Exports(P) LtdWhile on Statutory Audit performed following activities for the concern stated above:Organization is providing a fair and accurate representation of its financial position by examining information such as bank balances, bookkeeping records and financial transactions. TAX AUDIT Shree balaji Tubes(P) Ltd Camec Enclaves(P) Ltd OTHERS Stock Audit of Saifee Golden Jublee School Vat Audit of Small Enterprises Accounts of Saifee Golden Jublee School Due Diligence Preparation & Efilling of Service Tax Return. Preparation & Efilling of Income Tax Returns