Gaurav Goswami

Underwriting the Secured & Unsecured products , Handling the Team, Maintain the healthy portfolio, Physical Discussion(PD), CAM preparation, Case Recommendation, Financial Statements analysis, Consumer CIBIL, Commercial CIBIL, Bank statements analysis, Perfios, Compliance followed, co-ordinate with business team, build customer relations, Legal Technical checked, sanctioning the case. Ratio's analysis,

• I have handle the Product, Home loan, LAP, recommended the case to the senior
• Analysis affordable Home loans files
• Doing physical PD with customer
• CAM preparation
• Making eligibility with usefully ratio LTV, FOIR, DEBITA, etc
• Assessment of customer income, family background, residence
• CIBIL analysis, loans Enquiries, bouncing, dpds or more
• Make the loan exposures
• Marked the sanction conditions
• Deviation captured in CAM.
• Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.

• Reviewing the Unsecured loan applications behalf of norms
• Checking the KYC, Income Documents, Bank statement
• Checking the Bureau Like Coordinate with Business Team, Analysis the all Risk Factors
• Take the credit the decision's per the policy, Make the Borrower eligibility with the help of FOIR.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
• Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.

• Reviewing Personal loan application which is comes on app
• Checking the KYC,Income docs,Bank Statement,Financial Statements, Analysis the individual profile risk factors, make the Tele-PD with with applicant, Checking the Bureau reports , cross the checking the AI decision.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Analyzed credit scores to determine borrowers' creditworthiness.

• Checking the KYC document, Income docs and Bank Statement of Applicant
• Checking loan Application form according of Checklist.
• FI Initiate
• CIBIL Initiate
• Legal,Technical Initiate
• FCU Initiate
• Documents check as per norms