Assistant Manager (Credit PL Underwriter) @ Hdfc Bank Ltd
Have 2.2 Years of experience in HDFC Bank LTD.
Have 1 Year of experience in Kotak Mahindra Bank.
Have 2.4 years of experience in Axis bank.
Worked in Home loan, LAP (Loan against Property),APF (Advance processing Facility) Forex Loan and in personal loan products.
Processing of logged Salaried and Self- Employed Profiles.
Maintaining of MIS excels.
Preparation of Disbursement files of forex loan.
Calculation of eligibility sheet.
Have 3.2 years of experience in NSR executive with PAN card acceptance, verification of documents.
Maintaining payment invoice of the vendors.
Posting those invoice payments to the account’s ledger.
Strong programming skills in MS OFFICE, scanning documents, writing documents,
Good knowledge about windows operating system
Knowledge on Tax forms and pension plan.
Personal Loans
Ensuring Proper compliance of company Policies and regulatory regulations in loan sanctioning disbursements and post disbursement process.
Identify and Assess credit and other risks areas and carry out detailed and independent credit evaluations for underwriting.
Analysing and Decisioning the case on time well within the TAT.
Strict Adherence towards Policy while decisioning the case.
Understanding of basic needs of customer and requirement of Loan through Tele and Video PD.
Initiation of FI and follow ups with concerned agencies for the Timely report updating.
Doubtful and suspected cases referred to RCU/FCU before Sanctioning the case.
Maintaining of Login, Pending and Rejections MIS.
Co-ordinating with sales team for Pending Clearances.
DSA and Branch Visit for Spot approval.
Home Loan
Legal Documents updating as per Title opinion issued by External lawyer through the Portal of LOS. (Loan Organisation System)
Initiating for Legal and Technical in the LOS portal.
Collecting all the Original Documents for the particular Flat/House from Business Team and updating the same in the LOS portal.
On time submitting of original updated document to OPS Team after updating the same in LOS.
Maintaining of OTC and PDD MIS.
Home loan and LAP
Detailed file checking of KYC, Salary Slip, employment stability before generating APP ID.
Verifying KYC documents of applicant and co-applicant through the kharza portal such as (PAN, DL, VOTER ID and Passport etc) to check whether the provided documents are valid or not.
Posting login quires of login files in the shikar tools.
KYC Verification through the portal of KARZA before creating App Id.
Posting APP ID once app ID created in shikar tools so the particular SM can track the current status of his file.
Maintenance of Login mis and login quires.
Entering of quick data entry (QDE) and detailed data entry (DD) in the Finn one portal (CAS).
Preparation of eligibility sheet for Both salaried and self-Employed and posting necessary entries in Finn one portal (CAS).
Preparation of ABB (Average Banking Balance) in case of self-employed customer cases.
Generating Cybil report from Finn one tools (CIBIL).
Preparation of LTV sheet and posting necessary entries in the time of disbursement in Finn one portal (CAS) tool.
Initiation of FI (Field verification) to the agency in case of Cybil norms not meet.
Initiation of PD (Physical documents) verification in case of loan amount exceeds more than 50lakh for each and every file.
Generating Report and board updating from the data provided from shikar tool at the EOD (end of the day).
APF Advance Processing Facility)
Maintenance of Approved and Login MIS of Builder Projects.
Detailed verification of Project plan, Accounts details, Katha, EC and Tax paid receipt.
Initiating Basic project file to Legal (Advocate) agency for Legal clearance.
Initiating Plan copy for technical agency for clearance of Basic price, square feet and stage of construction of particular project.
Report and project details updating through the portal of Pragathi.
Preparation of Unit details and updating in the Pragathi portal.
Initiation of Accounts details, Katha and EC to FCU.
Scanning and Uploading of Legal report, RCU report, Technical report, Sale Deed, ownership sharing details, accounts details, Unit details, builder KYC and undertaking details in pragathi portal.
Updating Progress report of particular project in Pragathi portal and in MIS excel.
Posting necessary data entry of each and every project in Pragathi Portal.
Cross verification of accounts details, Builder details and Project details with help of RERA (Real Estate Regulatory Authority) site.
Initiating for latest technical report in a monthly wise for Cat A builder and quarterly for Cat B, C and D and updating latest progress details for every approved project in Pragathi portal and in MIS.
Personal Loan
Detailed verification of KYC documents financial documents and employment details.
KYC Verification through the portal of KARZA.
Entering the detailed entries of the customers in the portal.
Updating the loan details in SHIKAR tool for further process.
Updating of rework files in shikar portal.
Auditing of scanned PL documents in omni portal.
Visiting client place like IBM, WIPRO and MIND TREE COMPANY and meet their necessary and collect required documents and work with bio-metric registration of the employees.
Sorting out technical issues through the help of remote desktop applications like
Any desk, Team viewer and Amy admin.
Preparing payment ledger of the vendors.
Maintaining of Invoice Ledger Books.
Pan card acceptance and verifying documents of the customers
Interacting with the customers explaining about the documents required for completing NSR registration, PAN card and Aadhar card
Have excellent hands on bio-metric
Fill the forms and verify for national pension scheme (NPS) and generate acknowledgement to the client
Collected documents processed on time
Worked with most of the tax and pension plans
Scanning the documents and exporting PDF files to next level
Tax deducted act source filing TDS, mailing and upload the tax to the income tax department
Worked through website national securities depository limited (NSDL) to update the documents
Finally end of the day submitting reports, status and collected cash to the manager
No education history listed.
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