Experience

NEDFi

• India
• Financial Services
• 1 - 100 Employee

• Manager

  • Jun 2016 - Present

  Credit Appraisal, Monitoring, Recovery

• Assistant Manager

  • Nov 2010 - May 2016

  Job responsibilty includes:• Total scrutiny of the credit proposal to ensure that they are in line with the credit policy of the bank (includes KYC guidelines, site visits, and Customer analysis, customer relations with other bank & financial institution & understating financial needs of the customer and aligning them with the schemes of the corporation).• Checking viability of the credit proposal includes financial analysis, market study, project analysis, quantitative & technical analysis & estimating maximum permissible bank finance eligibility.• Ensuring better turnaround time.• Undertaking post-sanction monitoring & trigger events on defaults.• Periodic review & expansion of loan amount sanctioned based upon the performance of the account and need.• Anticipating delinquencies to improve follow-up & reduce overdues & NPAs.• Follow up relating to legal issues with concerned authority, put up the proposals to appropriate authority in respect of matters relating to issuance of legal notices (Overdues, NPA & SARFAESI Act), suit filing & OTS.• To complete appropriate documentation & ensuring its safe custody.• Ensuring pre & post disbursement conditions are completed as per terms of sanction, creation of security & arranging insurances.• Ensuring adequate disbursement in the account & maintaining it in line • Ensuring proper monitoring of the account so as to minimize income leakages in the form of interest applied & other charges to the account.• Ensuring completion of internal & central audit compliances. Show less

• Management Trainee

  • Nov 2009 - Nov 2010

  • Managing Asset portfolio of the branch.• Credit Appraisal for loan proposal under the branch delegated authority.• Credit administration & operations at branch level.• Customer Relationship Management.• NPA Monitoring & Recovery.• Settling bad debts through compromise settlement