Gulshan Kumar

• Process disbursement requests for Wholesale Banking, SME Segment, and LCMM cases, ensuring adherence to pre-disbursement conditions.
• Execute disbursements for WCDL, Term Loan, and Overdraft facilities while verifying compliance with sanction terms and documentation.
• Verify compliance with all pre-disbursement conditions, including Title Search Reports, Sanction Letters, Company KYC documents, Financing Documents, MFA, Board Resolutions (Sec 180(1)(a) & (c), 185, 186), CA/CS Certificates, Director Declarations, List of Shareholders and Directors, Income Tax Certificates (Section 281), Audited Financial Statements, Valuation Reports, Cheques, and Fee Payments.
• Coordinate with Clients and Relationship Managers to resolve discrepancies raised by external vendors or identified during internal checks.
• Draft, vet, and execute legal documents and facility agreements in accordance with banking norms and sanction conditions.
• Issue key documents such as Sanction Letters, NOCs, NDCs, CIRs, Pari-Passu Letters, and PRLs; coordinate the release of property documents.
• Manage client queries related to disbursements, documentation, and facility processes, ensuring timely resolution.
• Track the complete disbursement workflow from initiation to final disbursement, ensuring adherence to predefined TATs.
• Scrutinize loan and security documents based on facility type and sanction covenants.
• Prepare and manage internal MIS reports, monitor pending deferrals, and coordinate data collection from internal departments.
• Provide MIS reports to top management on disbursement status, financial performance, and internal control implementations.
• Maintain comprehensive knowledge of KYC and Security documentation processes related to corporate lending and working capital facilities.
• Execute end-to-end activities related to disbursement documentation and operational compliance.
• Oversee the release of property documents post-loan closure.

• End-to-end processing of Title Search Reports (TSR), Valuations, and property-related compliance for mortgages.
• Coordinate with internal/external advocates, technical teams, RMs, and clients to resolve discrepancies and ensure Title Clearance.
• Procure and analyze legal reports like CERSAI, ROC, Title Search, and Valuation Reports.
• Prepare, vet, and execute mortgage-related legal documents as per KMBL guidelines.
• Ensure compliance with legal and operational processes, verifying original property documents.
• Address observations raised by concurrent auditors for processed cases.
• Draft, vet, and execute various legal documents and banking facility agreements.
• Generate MIS reports for top management on financial performance and internal control implementation.
• Execute end-to-end activities related to mortgage desk operations.

Led COVID-19 Testing Unit at Delhi airport for Delhi Civil Defence, managing testing operations, team coordination, and ensuring compliance with safety protocols during the pandemic.

• Successfully led the COVID-19 Testing Unit as Team Leader for Delhi Civil Defense, ensuring the safety and well-being of passengers and airport personnel during the pandemic.
• Managed and supervised on-ground testing operations, ensuring strict compliance with health and safety protocols to minimize risks.
• Coordinated seamlessly with passengers, airport authorities, and medical teams to facilitate smooth and efficient testing processes.
• Maintained accurate documentation and reports of testing activities in adherence to government guidelines and regulatory standards.

• Conducted verification of original property documents to ensure accuracy and compliance.
• Uploaded verified documents to the company’s internal portal for record management.
• Maintained and updated various MIS reports related to documentation and process tracking.
• Part of the Documentation Team, supporting end-to-end document control and compliance processes.