Anto Rathesh

I am working in Tru Home Finance, handling Home Loan (HL) and Loan against
Property (LAP) products. My work includes checking customer eligibility,
preparing loan files, and ensuring all documents are verified and complete. I
coordinate with legal, technical, and field teams to process loans quickly and
correctly. I also review CIBIL reports, follow company rules, and make sure loans
are sanctioned and disbursed on time. Additionally, I support the team and help in
solving any file or documentation issues.

• Perform end-to-end credit assessment for Home Loan (HL) and Loan Against Property
(LAP) applications.
• Analyze customer eligibility using income assessment, FOIR, LTV, CIBIL reports,
banking transactions, and financial documents.
• Evaluate financial statements, bank statements, salary slips, ITRs, GST returns, and cash
flow for salaried and self-employed applicants.
• Prepare Credit Appraisal Memos (CAM) and recommend loan proposals based on risk
assessment.
• Conduct banking analysis, repayment capacity evaluation, and fraud risk identification.
• Coordinate with legal, technical, valuation, and field investigation teams to complete
credit appraisal.
• Verify property, legal, and compliance documents before loan sanction and disbursement.
• Ensure adherence to RBI guidelines, internal credit policies, and risk management
frameworks.
• Maintain portfolio quality through accurate credit decisions and timely loan processing.
• Support audit, documentation, and continuous process improvement initiatives.

Enthusiastic finance professional with one year of experience in the home loan sector at Tru Home Finance. Skilled in handling Housing Loan (HL) and Loan against Property (LAP) products with strong system knowledge and process understanding. Holds an MBA in Finance and
Systems, with a focus on accuracy and efficiency in loan operation

• Processed invoices with high accuracy.
• Verified billing data and resolved discrepancies.
• Maintained billing records and met reporting timelines.