Bhakyaraj S

A career objective is a brief statement outlining an individual's professional goals, skills, and intended career direction, tailored to a specific job opportunity

Branch Credit Manager (Deputy Manager) - Equitas Small Finance Bank Ltd - Kumbakonam

(2017-04)

• Team Handling (Area Level Declared Product - Affordable Housing Loan, SME, Salaried LAP, Overdraft), Additional Two branches for Assessment Product.
• Income documents verification and Eligibility Workout from ITR, Banking Surrogate, Repayment Track Records for High, Low LTV.
• Income Assessment & Preparing Loan Eligibility Working (FOIR and IIR)
• Analysis the Customer Financials (Business Top Line Previous Year to Current Year – Sales Turnover, Profit, Interest Paid & Other Administration Expenses)
• Analysis the Last One Year Banking's (Cheque Bounce, Recent Loan Credits – Utilization of Loan funds, OD/CC Utilization, Banking Turnover to Compare with Financials Turnover)
• Analysis the Last One Year GST Returns Turnover
• CIBIL – Consumer & Commercial and High-mark process (DPD, SMA, DBT, SUB, WRITTEN-OFF, SETTLED And Analysis Obligation methods).
• PD (Personal Discussion) & KYC Verification
• Scrutinize & Approve the files upto 20.00 Lakhs (At my approval level)
• Deviation Mail Preparation and Send to Superior.
• Approve the Files once the Deviation approved by the Superior.
• Vendor Follow-up for FI report, RCU report, Technical report Etc.
• TAT Maintenance in Decision Making, File Process and Vendor Report Follow-up Etc

Credit Officer - Maindra Home Finance (Mahindra Rural Housing Finance Ltd) - Thanjavur

(2016-01 - 2016-08)

Sales Co-Ordinator - Reliance Home & Commercial Finance (Reliance HR Services Pvt ltd) - Nungambakkam Chennai

(2013-09 - 2015-12)

Senior Customer Support Associate - First Source Ltd - TIDEL Park Chennai

(2010-10 - 2013-09)

Data Entry Operator - M M Info Media - TIDEL Park Chennai

(2008-05 - 2010-09)

B.com - Commerce - Govt. Arts College – Kumbakonam – Bharathidasan University (2004 - 2007)

HSLC - Govt. Hr. Sec School Valangaiman (2002 - 2004)

SSLC - Govt. Hr. Sec School Valangaiman (2001 - 2002)