Govind Kumar Vyas

Taranagar Area

Churu, Sardarshahar, Rajgarh, Taranagar, Sidhmukh.

• Credit Evaluating and appraising proposal LAP up to Rs 300L
• Conducting PD to analyzing creditability and repayment capacity of the potential customers
• Recommendation note of Prime LAP (3 Lac to 3 Cr.) proposal with suggestive mitigates of the profile
• Sanctioning authority 15 Lacs.
• Managing CPA and Monitoring on TAT
• Preparation & decision of credit proposal of loan according to the compliance & policies discussion on applicant & Co-Applicant's business place & house or/and commercial property valuation
• Identifying risk associated with LAP and other related product & raising them to appropriate approving authority (ACM, SCCM , RCM, ZCM & ZBH, NCM & BH)
• Analysis of various financial statement of applicant & Co-Applicant's.
• Support sales in achieving delegated organizational targets keeping in view quality of portfolio, reducing delinquency to minimum level and to attend to and resolve customer complaints
• Analysis of Legal & Technical reports and understand the risk and deviations
• Personally visit the customer property and business for business verification in self Employed cases and salaried cases
• Researching the history of clients in order to understand their previous credit situations & negotiating with clients in case of any problems in the credit payment. Communicating with the banks and other firms to analyze client's credit issue.

• Managing Credit and Operations for HL & LAP Of Churu Cluster
• Credit Appraise As per Policies, Procedures, and Credit Under Writing Guidelines
• Maintenance Of TAT, Compliance, Policies and Procedures
• Credit Evaluating and appraising proposal home loan property up to Rs.75 Lac
• Credit Appraisal & Analysis - Preparation of CAM (Credit appraisal memorandum) and calculation of eligibility of customer through documents, personal discussion and judge business stability and financial understanding
• Underwriting- Independently conduct credit analysis according to policy and making sound credit decision and creating terms and conditions for each client
• Sanction and disburse case with ensuring TAT
• Training to Sales Team & Management Trainee & Credit officer on Regular Basis to Update Policy & Market Challenges
• Conduct property visit - Visit the property and measure the property area and do other local inquiry to identify the property
• Reports- Analysis of Legal & Technical reports and understand the risk and deviations
• Products-Housing (Construction, Repair& Renovation & extension & Purchase) and LAP & LAP - MSME
• Field Visit- Personally visit the customer property and business for business verification in self Employed cases
• Customer history- Researching the history of clients in order to understand their previous credit situations & negotiating with clients in case of any problems in the credit payment
• Communicating with the banks and other firms to analyze client's credit issue
• Handle multiple branches & locations- Handled multiple branches during job Churu, JHUNJHUNU, Sikar, Jaipur etc
• Team collaboration- Communicate with sales and branches regarding specific situations and resolving the sales problems and maintained quality branch portfolio and disbursal activity in co-ordination with customer and sales associates to achieve monthly targets
• Collection & Recovery – NPAs Recovery and FEMI Cases control and non startarter cases delinquency management for entire assigned cluster; timely review and taking feedback from collection team about cases
• Deep analysis of data for every day and month basis about actual reason of early warning stages cases
• Disbursement, Post Disbursement activities like PDC - Nach, Auditing
• Credit Underwriting
• Prepared MIS