Analysis of credit worthiness of customers

 Managed all loan and credit requests and made approval decisions Analyse financial statements, income statement and credit history to better understand how much risk could be involved in extending credit to customers Ensured that all credit and loan standards were applied Handling of LAP, HL Processed credit approval documents and sanction letters Meeting customers requesting loans to start determination process Involved in the process of securitization and internal audits Preparation of Credit Approval Memo (CAM) for Calculating FOIR, INSR, ABB, LTV, LCR & Other Financial Ratios Maintaining & Managing the post disbursement documents and partly disbursed cases Coordinating with the legal, technical, financial and risk containment unit agencies for processing the docket/file Responsible for TAT of delivering sanction letter and disbursement

 Evaluation of customers’ credit worthiness Worked on PL, LAP, GL & AL Preparation of CAM (Credit Approval Memo), financials and recommendation of cases to higher authorities for decision making Underwriting of loan proposal letters and generating sanction letters within the given TAT Training the sales team for the documentation process

- Project Title: Appraisal of Retail Loans- Studied about KYC norms, education loan, house loan & auto loan- Calculated MPBF (Maximum Permissible Bank Finance) of loan proposals