Territory Portfolio Manager - Credit and Operations
ICICI Home Finance Company
Total years of experience :6 years, 6 Months
• Management for overall Credit and Risk functions; and Management of Loan Operations of the region
• Sanctioning/ Underwriting of Home Loans/ Loan Against Property /Micro SME Loans
• Executing and maintaining the policies, rules and regulations as laid by the Central Bank (Reserve Bank of India) and NHB (National Housing Board)
• Portfolio Management and Ensuring Minimum Delinquencies
• Ensuring compliance of the Credit Policy and processes, TAT Management, Quality of Proposal Notes and Fraud Risk Management
• Regular Compliance Training to achieve maximum quality
• Manage and guide a team of Credit Analysts
• Creating proposal notes to be presented to management committee
• Analyzing risk assessment through bank statements, financial statements, credit history, cash inflow/outflow and client visits
• Coordination with Operations for disbursal and post disbursement process
• Ensuring resolution of customers’ issues
• Responsible for empanelment of Legal Vendors and Technical Valuation Vendors.
• Management for overall Credit and Risk functions; and Management of Loan Operations of the region
• Process Optimization and Implementation; Policy Improvements
• Sanctioning/ Underwriting of Loan Against Property /Micro SME Loans
• Portfolio Management and Ensuring Minimum Delinquencies
• Execution and maintaining the Policies, rules and regulations as laid by the Reserve Bank of India (Central Bank Of India) and NHB (National Housing Board)
• Ensuring compliance of the Credit Policy and Procedures; PD & TAT Management; Quality of Proposal Notes and Fraud Risk Management
• Imparting Regular Training to Credit and Operations team to achieve maximum quality
• Facilitating business team for achieving monthly and annual targets
• Manage and Guide a team of Credit Managers
• Analyzing the risk assessment through bank statements, financial statements, credit history and cash inflow/outflow
• On the Spot Conditional Approval of Loans at Client’s site
• Vendor Management
• Loan sanctioning for the Salaried and Self-employed clients including the appraisal of the NRI clients
• Recommending and Sanctioning of Home Loans, ranging from Rs.5 Lacs to 75 Lacs
• Managing and mentoring a team of credit associates
• Creating proposal notes to be presented to management committee
• Executing review of Income Tax Returns, financial statements and KYC documents for the evaluation of loan eligibility
• Analyzing the risk assessment through bank statements, financial statements, credit history and cash inflow/outflow
• Ensuring compliance of the Credit Policy and processes and other rules and regulations along with consistency in TAT (Turnaround time)
• Working in coordination with Risk Control Unit for fraud management.
• Scrutinizing the Legal and the Technical reports along with reviewing the Field Investigation reports, original legal documents
• Ensuring resolution of customers’ issues (pre-sanction as well as post disbursement)
• Working in coordination with Internal customers/ departments, Builders and the empaneled advocates
Completed a comprehensive project on Indian Power Sector
Key Learning: Understood the Pricing;and the present and future of the Indian Power Sector
• Checked feasibility and selected location for establishing the institute
• Identified new business and maintained & managed existing set-up:
Groomed existing students & explored new students and maintained existing vendors; explored new vendors for procuring study material and educational equipments
• Maintained and updated databases and managed the teaching faculty, resolved queries of all students, parents and vendors
• Established and maintained the accounting procedure
• Arranged appointments and met heads of various schools for conferences /marketing
• Executed work related to Barclays Bank Process such as funds transfer (National & International) and bill payments
• Developed standing orders on accounts, direct debit to accounts, issued debit cards, blocked/unblocked debit cards, pins issue of check-books
• Ensured ordering of account statements and resolved queries regarding balances and transactions
During my MBA I completed my internship from Bharat Heavy Electricals Limited, New Delhi, India. • Study on Indian Power Sector • Studied Pricing, and the present and future of the Indian Power Sector More to above • Analytical Study on the Annual Report of Tata Steel • A Project on CSR-Comparison of Tata Group & Maruti Suzuki • Case Study on Tata Steel Acquiring Corus
It is Dual Specialization Degree. Completed University Project and received a Excellent grade