Geddapu Dileep
Vijayawada
Summary
my short term goal is to work in reputed organization where I can enhance my skills and knowledge as a career growth. Long term goal is to get into the top most position and where I can capable to share my knowledge to the down level employees and same to be a key person who is responsible for organization development.
Overview
2
2
years of professional experience
Work History
BRANCH CREDIT MANAGER
MAHINDRA HOME FINACE LIMITED
01.2025 - Current
- As job is doing pd and cpv of customer all secured HL and LAP products.
- Checking of KYC’s verify original documents with submitted application, RCU and follow up also.
- Conduct the PD at customer residence/office/property.
- Preparation of cash flow analysis & visit the customer residence and work address with customer point verification and taken neighbour and trade reference check of applicant and co-applicant details.
- Analysis of individual CIBIL report, online EC and online tax payment dues and initiate Legal and technical, verification and follow up also.
- Co-ordination with Legal vendor.
- Analysis of Technical valuation and preparing of land valuation on visit verification of technical report.
- Daily preparation of MIS report and circulating ACM, SCM and RCM & tracking and sending rejection letters to the customer.
- Calling to customer on monthly based on EMI date for make prompt payment.
- Cases was moving for Approval or Recommend for approval and analysis for approval or reject of application’s based on analysis of application handling of legal vendors.
- Technical self valuation of property to be complete.
- Collection follow up till 12 Mob.
- We have processed loans to all types of LIP and business holders along with salaried customers.
BRANCH CREDIT MANAGER
IIFL Home Finance LTD
10.2023 - 01.2025
- Final Sanction & Disbursement is the main function of my job role.
- Loan against property Loans.
- Underwriting of affordable Lap loans, having approving authority of 10 Lacs.
- Preparation of CAM for affordable Lap loans.
- Having knowledge of login to disbursal process.
- Following up of PDD & Clearance.
- Maintaining collection of 12MOB.
- Guiding sales team to process cases as per company policy.
- Following up with Vendors for reports.
- Role involved in detailed analysis of Credit Appraisal.
- Analysis of CIBIL report and Generate Manual CIBIL (if Additional matches found).
- Credit analysis involves analysing Customer KYC, Customer Profile, Banking, Income Area, Residence Stability, Business Stability and Financial stability.
- Follow up the FI & FCU and Legal & Technical Reports with concern vendors.
- To check weather case is meeting all policy parameters with respect to documents.
- Verifying FI report, Legal report & Technical report to be met the Policy parameters.
- Personal discussion by Phone with the customers regarding the required Financial and Legal details.
- Verifying Property deeds and online verification EC.
- Preparing Sanction Letter & Authorization (whenever LTV & DBR supported).
- Role involved expertise in end-to-end process of documents analysis and disbursal of Loan.
- Received the Clear scan without Pending for Disbursement once check the all scan documents and Disbursed the Loan.
- Creating the Cersai id on Borrowers.
- RTGS and NEFT Collection payments are confirm to Branches.
- Cheque’s handover to concern Branch team after clearing OTC.
- PDD (post Disbursement Documents) Followup and Received PDD’s updated in System.
- Prepared the Daily wise Sanction and Disbursement MIS.
Education
MASTER OF BUSINESS ADMINISTRATION - FINANCE & MARKETING
KBN PG COLLEGE
01.2014
Bachelor of Commerce - COMPUTERS
SRR & CVR Govt DEGREE College
01.2012
INTERMEDITE - MEC
SRR & CVR Govt Junior College
01.2009
SSC -
PLSZP High School
01.2007
Skills
- MS EXCEL
- MS POWER POINT PRESENTATION
- APS
- LOS
- FINONE APPLICATIONS
- CREDIT ANALYSIS
- PROPERTY VALUATION AND MEASUREMENTS
- CASE UNDERWRITING
- EVAPORATION OF CUSTOMER PROFILES
- VERIFICATION AND IDENTIFICATION OF PROPERTY DOCUMENTS
- SELF VALUATION OF PROPERTY FOR GETTING LOAN TO VALUE
STRENGTHS
• Hardworking ability to complete the given task in time.
• Patience & Persuasive skills.
• Positive attitude.
• Good Communication skills.
Languages
- Telugu
- English
Personal Information
- Father's Name: G. Srinivasa Rao
- Date of Birth: 08/28/92
- Gender: Male
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Disclaimer
I hereby declare that the above mentioned information is true and correct to the best of my knowledge.,
Vijayawada
Timeline
BRANCH CREDIT MANAGER
MAHINDRA HOME FINACE LIMITED
01.2025 - Current
BRANCH CREDIT MANAGER
IIFL Home Finance LTD
10.2023 - 01.2025
MASTER OF BUSINESS ADMINISTRATION - FINANCE & MARKETING
KBN PG COLLEGE
Bachelor of Commerce - COMPUTERS
SRR & CVR Govt DEGREE College
INTERMEDITE - MEC
SRR & CVR Govt Junior College
SSC -
PLSZP High School