Ajay Vijayan Nair

Underwriting: Evaluate and underwrite Home Loans, Loans Against Property, and Business Installment Loans.

Appraisal Documentation: Prepare and submit detailed appraisal notes for loan sanctioning and recommendations.

Turnaround Time (TAT) Management: Ensure credit decisions and processes are completed within the prescribed turnaround times.

Regulatory Compliance: Adhere to Corporate Credit Policies, RBI guidelines, and other regulatory requirements.

Credit Decision and Portfolio Management: Ensure timely completion of credit decisions and processes within prescribed turnaround times, while actively monitoring and managing the credit portfolio for effective oversight.

Liaison Activities: Coordinate with empanelled valuers and lawyers for their empanelment and related tasks.

Audit Compliance: Maintain compliance with audit standards and requirements.

Training and Development: Provide training and development to CPAs and collaborate with cross-functional teams.

Credit Review and Policy Development: Participate in credit review meetings and assist in the development of credit policies.

Comprehensive Banking and Opportunity Assessment: Perform a 360-degree banking assessment of customers to identify and leverage opportunities, ensuring the provision of suitable banking solutions and enhancing overall portfolio quality.

• Underwriting of Home Loan and Loan Against Property
• Empanelment of Valuers and Lawyers.

• CAM Preparation
• Data Analysis of Early Warning Signals of Default
• Worked on The Digitization Project of The Company (Logistic MIS Data Entry for Keeping Track of the Original Documents
• Analysis of Branch-Wise Income
• Bifurcation of Total Income and Expenses State Wise.