Ameer A
Branch Credit Manager
About
To keep myself updated with the emerging process and i am eligible to manage my team in best way to produce a good result to the organization.
Experience
Branch Credit Manager (MEL, PL, CV, HL and LAP) - IDFC FIRST BHARAT
(2019-08-07)
- Cibil check, Neighbour and Reference check
- TVR with customer
- PD Visiting to business and Resi place
- Analyse and verify applicant's Financial status, Credit, Property evacuation to determine feasibility of granting loans
- Obtain and compile copies of loan applicant's credit histories, Corporate financial statements and other financial informations
- Approval and rejection loans based on available date as per prober company rules
- If the case is ok, then Underwrite loans based on required data
- Review loans agreement to ensure that they are complete and accurate according to policy
- Negotiate payment arrangements with customer who have delinquent loans
- Compute payment schedules
- To evaluate proposals of customers for LAP, WC and BL performance history along with liquidity, debt/Asset management and profitability rations to access creditworthiness in evaluation interact with customers and understand the business and regularly monitoring delinquencies / infants.
- Collect pending papers with in TAT
- Following legal and technical team to get report with in TAT
- File arrangement for loan processing
- Decision making within defined TAT
- File MIS maintaining
- Resolved audit queries
- Prepare reports to send to customers whose accounts are delinquence, and forward irreconcilable accounts for collector action
- Arrange for maintenance and liquidation of delinquent properties
- Train new employees
- Update new policies to sales team
- Month on month making meeting with sales team
Branch Credit Manager (Personal loan and Consumer Credit) - Bajaj Finserv Finance Ltd
(2017-01 - 2019-06-08)
- Spot Visit for eligible value customer profile before funding
- TVR to applicant and given reference number
- Ensure CIBIL, SFDC, FINNONE for new and Existing customers
- Ensuring operation guideline, Company norms and Policy in a proper manner and supporting business
- Ensuring no works done beyond company norms and policy in operation guidelines
- Maintaining the loan documentation in a proper format as per operation guidelines
- Responsible for security and safety in accordance with the branch's objectives
- Following up with the customer for interest payment and knowledge them new products introduce
- Responsibilities for branch smooth function of operation and Sales as well
- Coordinate with RCU team
- Support collection team
- Cross selling
Cashier / Credit Office – Housing Loan - Mahindra Rural Housing Finance Limited
(2011-08 - 2017-01)
- Handling branch walk-in customers and ensure desired footfall in the branch.
- Preparing cash receipts, Cash deposits, Record Maintenance and Office administrations.
- Inform our company's protocols to customers.
- PD Visit
- Customer document verifications.
- Legal and Technical follow up.
- Analysing customer capability for loan processing.
- Find out and Clear the files queries
- Maintaining login and disbursement datas
- Informing our company schemes to existing and New customers
- Assist collection team
- Guide new employees
Education
Bachelor of Computer Application (BCA) - Computer Application - Periyar University, Selvam Arts and Science College (2008 - 2011) Salem, Namakkal
Higher Secondary - Government Boys Higher Secondary School (2007-03) Namakkal
Secondary School leaving Certificate - Government Boys Higher Secondary School (2005-04) Namakkal
