Internal Auditor –Retail Asset-Branch/Credit & Concurrent Audit- West Zone (Gujarat) - INDUSIND BANK - West Zone (Gujarat)
(2018-05)
- Conduct end to end Audit of Housing Loan/LAP and Commercial Vehicle Finance files from Login to Disbursement stage.
- Verification of credit underwriting, income assessment, banking and customer profiling.
- Monitor branch operations, documentation and disbursement activities.
- Ensure operational compliance as per bank policies and regulatory guidelines.
- Perform Post Disbursement Documentation verification regulatory compliance checks.
- Audit loan accounts to identify Operational gaps, policy deviations, and risk-related observations.
- Conduct branch operational audits, fixed asset verification, and compliance monitoring activities.
- Verification of operational process, Credit documents and related record to ensure compliance with internal policies and regulatory guideline.
- Surprise Residence visit on Non-Starter/NPA cases
- Prepare audit observations and highlight process deficiencies with corrective action recommendations for management review.
Operation Manager– West Zone (Gujarat) – LAP & PL - HDB FINANCIAL SERVICES LIMITED - Ahmedabad
(2016-09 - 2018-05)
- Scrutinizing complete documents of entire file as per defined policy. Handling disbursement of Personal Loan, Loan against the properties as per defined TAT.
- Checking Application form, Verification Report KYC document, Bank Statement & Financial Document as per the policy.
- Checking Disbursement docket as per Legal report property transaction (e.g. LAP, LAP BT + TOP UP PL)
- Verification of Loan Document, Property documents as per legal opinion, Valuation report, Compliance of approval terms and condition.
- Property release of the customer from Sub-registrar.
- Handling walk in customer visiting branch on daily basis.
- Dispatch the complete file to Head office post scrutinizing it.
- Responsible for audit compliance & ensure to meeting the Audit score as per defined criteria.
- Co-ordination with legal agency for Legal & Vetting report.
- Handling vendors billing payment within defined TAT.
Ops Officer (Operation)-LAP retail & LAP Rural - Fullerton India Credit Limited - Ahmedabad
(2014-12 - 2016-08)
Handling LAP (Rural & Urban) SME and Home Loan Local Operation process at Ahmedabad Hub for Gujarat Location also co-ordinate with central operation team at Mumbai & Chennai.
- Checking Application form, Verification Report, KYC document, Bank Statement, Financial Document as per the Policy.
- Checking Disbursement docket as per Legal Report Property transaction (e.g. LAP, LAP BT+ TOP UP, SME & Home Loan)
- Verification of loan documents, property documents as per legal opinion, Valuation report, compliance of approval terms & condition. Checking Loan agreement as per the policy.
- Checking valuation Report as per property and checking the property Document as per Legal report.
- After Checking all sanction & Disbursement document & send all discrepancy to the particular locations also coordinate with all location for resolution for sending discrepancy also in system (Finn one)
- After disbursement maintaining repayment in system and Deposited Pre emi Cheques also releasing customer payments.
- After resolution of all the Disbursement discrepancy disbursed the file in system (own software finnone system of Fullerton India credit Ltd.
- Update & tracking the OTC & PDD MIS of Disbursed cases.
- File Management- Updation of daily MIS of total login & Disbursement files.
- After Disbursement all cases property details & Property documents updated in system.
- All Disbursed cases system updating done same file sent to Central Operation team (Chennai) Resolving the central ops team review cases discrepancy in TAT.
Credit Officer– Commercial Loan & Auto Loan - Mas Finance Ltd. - Ahmedabad
(2013-10 - 2014-11)
- File Login at branch with required basic paper.
- Vehicle valuation by Authorise valuar (For Old Vehicle)
- To Document Verified as per CV policy & Cibil & Dedupe & Checking the entire file.
- Personal Discussion of Customer & Sanctioning authority
- Preparing a CAM report.
- Co-ordinate with FI Person.
- Ensure file processing from login to disbursement as per norms.
- Preparation of CAM & other financial snapshots.
- Co-ordinating to sales team for Approval & Reject.
- Updating daily status tracker of Commercial vehicle & mail daily MIS all team.
- Solve the query of document.
- Tele verification
- LOI from HO branch complete file, Agreement & PDC/ECS send to HO.
- Delivery order issue (For New Vehicle)
- Post delivery to customer (For New Vehicle)
- Prepare various MIS.
- Co-Ordination with FI in time and maintaining the TAT
- Co-Ordination with the Sales Team Persons for their quarries & status of files
