Aman Kumar

• Responsible for Credit Appraisal & Sanctioning.
• Handling small - medium ticket for LAP and Home loans.
• Preparing detailed reports of the loans during the appraisal process.
• Coordinating with different teams like legal, fraud, document prep, draw down for smooth disbursement of the loans.
• Research and evaluate clients’ creditworthiness & Maintain records of loan applications.
• Calculate and set interest rates & Monitor payments.
• Approve or reject loan requests, based on credibility and potential revenues and losses.
• Evaluating LAP (loan against property) for salaried and self-employed clients. Identifying risk associated to the lending and finding alternatives to mitigate them.

• Responsible for Credit Appraisal & Sanctioning.
• Handling small - medium ticket for LAP and HL
• Evaluating LAP for salaried and self-employed clients.
• Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
• Developed strong relationships with key business partners, fostering collaboration to drive branch growth and performance.
• Collaborated closely with sales teams to develop targeted lending strategies that aligned with branch goals and objectives.
• Coordinating with different teams like legal, fraud, document prep, draw down for smooth disbursement of the loans

• Work cross-functionally with sales, management, and other departments to maintain effective operations.
• Improved credit risk management by implementing effective underwriting policies and procedures.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Reviewed and analyzed loan procedures.
• Utilized deep understanding of Bank best practices and legal requirements to prevent critical incidents.
• Check the application form as applicable for Agriculture loan, RM visit photos, agriculture land details, online documents wherever applicable may be obtained.
• Funding under cash credit limits is based on cropping pattern of farmer.
• CAM based approach is taken to assess the requirements and approve the case and detailing of credit rationale in CAM.
• Approving and rejecting loans based on available data, to act with due regards to the credit policy while decision the case.
• Sharing latest update in policies in timely fashion and also conducting training to avoid discrepancies.
• Verifying the land documents online and uploading of critical documents in LS and IDRAS. Manage quality of portfolio.
• File verification with system, cross checking of entries done in system with application form details of each member via KYC detail, Family details, existing loan details & activity.
• Arrange the credit visit along with sales team for big ticket customer.
• Co-ordinate with legal, technical and risk containment unit of vendors for processing the exposure.
• Responsible for TAT of delivering sanction the file and disbursement and Established customer accounts and set credit limits based on Bank risk management policies.
• land holding of the customer and farm credit per acre as per bank norms. • Check the applicant credit report and analysis the repayment track and Creating credit scoring models for risk assessments.
• Oversaw the accurate application of customer payments, credit notes and other transactions.
• Check the eligibility of farmer/Agri entrepreneurs/any person engaged in agriculture and allied activities

• Enhanced district programs by implementing strategic initiatives and coordinating with stakeholders.
• Coordinated district-wide events and activities, fostering a sense of unity among schools and communities.
• Initiated policy changes that streamlined processes within the district while maintaining compliance with state regulations.
• Provide the managerial leadership and facilitate development of annual mission’s work plans and budget for all training plans.
• Support the Deputy Director in facilitating meetings with technical expert committees, relevant line departments such as, Health and Family welfare, rural development, Social welfare, Agriculture, Horticulture, food processing etc and other stakeholders on nutrition & multi-sectoral issues.
• Provide support to timely preparation of annual budget estimate keeping in view of the approved allocations and past expenditure under the Mission
• Support preparation of quarterly and annual district progress report.
• Monitoring and review progress of all nutrition related Mission activities and indicators, identify areas in need of support and take follow up supportive action as required.
• Supervise Block helpdesk and escalate issues as needed.

• Presented clear, concise audit findings to senior management, offering actionable recommendations for improvements.
• Minimized fraud risks by implementing comprehensive fraud detection strategies and conducting detailed investigations as needed.
• Enhanced operational efficiency through the development and implementation of risk-based audit plans.
• Improved internal control processes by conducting thorough audits and identifying areas for improvement.
• Evaluated the effectiveness of IT controls, recommending enhancements where necessary to safeguard against potential cybersecurity threats.
• Assisted in the preparation of annual risk assessments and developed appropriate audit programs in response to identified risks.
• Mentored junior auditors, providing guidance on best practices in internal auditing and encouraging professional development.
• Promoted a culture of accountability within the organization by consistently enforcing company policies and procedures during audits.
• Conducted special investigations as requested by senior management or the board of directors, maintaining confidentiality throughout the process.
• Ensured compliance with regulatory requirements and company policies through meticulous audits and effective communication with management.
• Prepared and distributed risk and audit reports to appropriate personnel.

• Mentored junior staff members, helping them develop their skills and advance in their careers.
• Enhanced communication between team members by organizing regular meetings and fostering open dialogue.
• Maintained database systems to track and analyze operational data.
• Coordinated with multiple agencies to streamline operations, enhancing overall response times during emergencies.
• Check the applicant credit report and analysis the repayment track and Creating credit scoring models for risk assessments.
• Oversaw the accurate application of customer payments, credit notes and other transactions.
• Preparation of customer profile for sanction of loan and seeking the approval of sanctioning authority.
• File verification with system, cross checking of entries done in system with application form details of each member via KYC detail, Family details, existing loan details & activity.
• Arrange the credit visit along with sales team for big ticket customer.
• Preparation of monthly and periodical statements of Interest MIS and loan data.
• Bank reconciliation and creditors payments & debtor collections.
• Responsible for TAT of delivering sanction the file and disbursement and Established customer accounts and set credit limits based on Bank risk management policies.
• Declaration of overdue and NPA and instruction given to collection team for recovery and Monitoring loan payments and bad debts.
• Managing Cash flow and cost control.
• To identify and resolve errors and discrepancies
• To interact with internal and external auditors in completing audit

• Maintained open lines of communication with vendors, negotiating favorable payment terms when needed.
• Documented sales, customer interactions and concerns and generated update reports for senior management.
• Entered customer order details into system, accepted payments and updated accounts.
• Ensured proper record-keeping through meticulous data entry and filing practices, reducing information retrieval time significantly.
• Issuing cheque and preparation of vouchers and bill
• Presenting a true and fair view of the financial position of the Branch by preparing financial statements
• Provided exceptional customer service by addressing client inquiries promptly and effectively, resulting in increased satisfaction rates and repeat business.
• Facilitated smooth internal audits by preparing supporting documents promptly upon request from auditors or management personnel.
• Developed strong relationships with clients, leading to increased trust in our organization''s ability to manage their finances.
• Managed accounts payable and receivable processes, maintaining healthy cash flow for the company.
• Conducted regular audits on financial transactions to maintain accountability and transparency in all dealings.
• Handled day-to-day accounting processes to drive financial accuracy.
• Recorded deposits, reconciled monthly bank accounts and tracked expenses.