Doing underwriting for Commercial Vehicles for MSME profile Customer Individuals Transporters their Group and looking after Region – West – Mumbai Region and initially looked after Delhi, Bangalore location.
? Also Indulged in Loan products of Home Loan, LAP, LACP for Salaried , NRI Cases, Self Employed and Non professional profile cases and assessing the case under Income program me , surrogate programmes such as Banking surrogate, RHTL, GTP, GRP Method of Assessment.
? Doing financial analysis and assessing the ability and intention to pay of customer based on the visible proofs, document submitted by customer and personal discussion & assesses any Possibility of a fraud been committed by doing customer and document the same on a regular basis
? Underwriting the loan proposal up to Rs 200 MN.
? Appointment of Vendors and liaising with Valuers, CPA, CPV Agencies for the bank
? Looking after appointment of DSA for the bank, meeting with DSA.
? Monitoring the deferrals for the region by Coordination and activating Sales for early resolution of deferrals
? Training the CPA team and sales team about the policy changes and providing inputs and monitoring the activities in a timely manner.
? Training the CPA team and monitoring the activities in a timely manner.
? Coordinating with vendors / adherence to TAT by the agencies/sample checks on quality and integrity.
? Monitoring on a monthly basis the early delinquency and also looking after the collection for the Region.
? Periodic visit to the delinquent customer to understand the reason for delinquency.