Sai Naveen Addagiri

Motivated and detail-oriented credit and loan processing professional seeking to leverage extensive experience in credit assessment, property document verification, and risk analysis within a reputable financial organization. Eager to contribute strong analytical skills, comprehensive knowledge of retail and housing loan products, and strict compliance adherence to add immediate value to the credit operations team.

Credit Associate at Muthoot Homefin (India) Ltd. (Present)

• Conduct comprehensive credit assessments and risk analysis for Home Loan applications, ensuring adherence to institutional credit policies and risk appetite.
• Evaluate applicant creditworthiness by retrieving and analyzing CIBIL and CRIF reports, identifying potential red flags, repayment tracks, overdues, and leverage ratios.
• Review and scrutinize complex property documents (including link documents, title deeds, and sale agreements) to ensure clear marketable titles and mitigate collateral risk.
• Analyze customer income profiles, banking statements, and financial obligations to accurately determine loan eligibility and debt-to-income ratios.
• Manage the credit file workflow from login to final credit sanction, ensuring strict compliance with underwriting guidelines and regulatory frameworks.

Loan Processing Executive at HDB Financial Services (2023-12)

• Processed and disbursed multiple financial products including Commercial Vehicle, Relationship Personal, Gold, Digital Product, Consumer Durable, and Lifestyle Product Loans.
• Performed required KYC screenings on customers, documenting information via PAN India Level C KYC Procedures, and validating details through online Voter ID, PAN, and UID portals.
• Created LOS IDs and inputted critical customer data (address, income, banking). Checked CIBIL scores and historical loan tracks for cheque bounces or overdues in the underwriting stage.
• Verified surrogate documents, credit approvals, and rate approvals against strict disbursement checklists.
• Calculated Broken Period Interest and deducted relevant financial charges (documentation, processing fees, stamping) to determine final net disbursement amounts.
• Executed RTGS, NEFT, IMPS, FT, and Cheque payments via PDC cheque capturing. Coordinated closely with branches to resolve pending remarks within the stipulated Turnaround Time (TAT).

B.Tech in Electronics and Communication Engineering (ECE) – Narasaraopeta Institute of Technology, Narasaraopet (2022)