Arun B

• Worked as Branch Credit Manager and later promoted to Area Credit Manager for the Hospet area.
• Managed credit operations, business growth, and portfolio management for 6 branches with the support of 6 Branch Credit Managers.
• Handled secured business loan proposals up to ₹75 Lakhs with detailed credit underwriting and risk assessment.
• Conducted customer financial analysis, banking program assessment, multiplier program evaluation, equalizer program analysis, and TRC-based program appraisal.
• Coordinated with sales, legal, technical, and operations teams for smooth loan processing and timely disbursement within defined TAT.
• Monitored branch portfolio quality, delinquency control, audit compliance, and operational efficiency across all branches.

Supported branch teams in policy implementation, credit decision-making, and risk management

• Handled credit underwriting and risk assessment for Housing Loans, Plot + Construction Loans, and Loan Against Property (LAP) proposals up to ₹30 Lakhs.
• Evaluated customer income profiles, banking transactions, repayment capacity, financial documents, and property-related documents for quality credit decisions.
• Conducted personal discussions, field investigations, residence verification, and business verification.
• Ensured adherence to company credit policies, KYC norms, and regulatory guidelines.
• Monitored turnaround time (TAT), delinquency levels, and overall portfolio risk parameters.
• Supported audit, compliance, and portfolio quality management activities.
• Guided sales teams on credit eligibility, policy norms, and risk assessment to achieve branch business targets with controlled risk.

• Handled end-to-end credit assessment and underwriting for Loan Against Property (LAP) proposals.
• Managed credit appraisal by analyzing customer financials, banking transactions, income documents, repayment capacity, and risk parameters.
• Conducted personal discussions, field investigations, and property assessments for credit evaluation.
• Coordinated with legal, technical, sales, and operations teams for smooth loan processing and timely disbursement.
• Managed branch-level credit operations and audit requirements.
• Supported sales teams in achieving business targets with controlled risk management.

• Handled Home Loans and Loan Against Property (LAP) business through sourcing customers from open market channels, builders, connectors, DSAs, and references.
• Generated business through field sales activities and maintained strong customer relationships.
• Identified customer financial requirements and recommended suitable loan products.
• Handled customer queries related to eligibility, documentation, interest rates, and loan processing.
• Managed document collection and verification as per company policy and KYC guidelines.
• Conducted market visits and customer meetings to achieve business targets.
• Developed relationships with brokers, builders, and channel partners for business generation.
• Ensured timely login, sanction, and disbursement of loan cases.
• Contributed to branch growth by achieving monthly and quarterly business targets.