Bhakyaraj S

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)

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