Jinu Joseph
Bengaluru
Summary
Detail-oriented Banking Professional with 12 years of experience in loan documentation and operational risk management. Seeking to leverage proven expertise in analyzing complex legal documents, conducting due diligence, and ensuring strict compliance with regulatory guidelines. Committed to delivering high-quality service and accuracy in Specialized Asset Services.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Assistant Vice President Front Office
Yes Bank Limited
Bengaluru
05.2022 - Current
- Reviewing the Credit Approval Memorandum / Term Sheet to understand the requirements and documentation to be obtained from Corporate Borrowers before disbursing the Facilities
- Share review the Checklists and Drafts prepared by Processors and make sure the Checklist being shared with client is inline with the Approved Term Sheet
- Guiding the client and Processors on various queries arising during execution
- Liaising with client, business and Mid Office Team to ensure smooth execution , verification and achieve the disbursement within TAT.
- Liaising and monitoring the Creation and Perfection of Security within the stipulated timeline as per sanction
- Collaborated with cross-functional teams to streamline processes, enhancing operational efficiency.
- Monitored compliance with regulatory standards, ensuring adherence to all banking policies.
- Reviewed loan documentation for accuracy and compliance with internal guidelines.
Senior Manager Service Solutions
Kotak Mahindra Bank Limited
Bengaluru
10.2017 - 05.2022
- Reviewing the Term Sheet and prepare checklists and documents required as per sanction
- Post sanction legal documentation of the loans given to corporates
- Negotiating with the clients for the loan documentation.
- Getting the
documents executed from the clients. - Coordinate with the legal and
other departments inside the bank for closure of the loan documents. - Getting the limits loaded in the system.
- Follow up with the client for the pending documents and complete within the timeline
Assistant Manager
Yes Bank
11.2016 - 10.2017
- Our Role involves - Checking discrepancies in the sanction viz a viz RBI guidelines on lending to avoid violation of the guidelines, Facility Letter issuance and Document preparation.
- Checking of the executed document for correctness and completeness and to ensure the disbursement by abiding banks credit policy.
- Tracking of future monitoring items to find out the delinquency at the early stage.
- Updation of exceptions based on document or approvals.
Deputy Manager II
ICICI Bank
08.2013 - 11.2016
- My Job starts from preparing and issuance of Credit arrangement Letter to the client to Disbursement of Limit.
- Where we are doing all the post sanction jobs, and monitoring of the client such as stock statements, stock audit, OFI and all other sanction specific terms to which firms should adhere to are being monitored by our group.
- Our Major role is to verify the loan disbursement documents in order to check whether the same is executed in correct format and all the pre-disbursement terms are met by the client or not.
- So overall we are into the disbursement segment of the bank and all the post disbursement conditions are being monitored by us.
Education
PG Diploma - Finance
ICICI MANPAL ACADEMY FOR BANKING
Bangalore11-2013
B.Tech/B.E. - Biotechnology
Anna University
04-2010
12 - Plus Two - Science
Jawahar Navodaya Vidyalaya
Calicut04-2006
10th - 10th
Jawahar Navodaya Vidyalaya
Calicut04-2004
Skills
- Understanding various compliances under the Companies Act, 2013, and RBI guidelines for lending
- Regulatory compliance
- Client relationship management
- Process improvement
- Working capital and term loan documentation
- Monitoring and banking operations
- Department policies & procedure implementation
Certification
- AMFI
- NSDL
Languages
- English
- Hindi
- Malayalam
- Tamil
Timeline
Assistant Vice President Front Office
Yes Bank Limited
05.2022 - Current
Senior Manager Service Solutions
Kotak Mahindra Bank Limited
10.2017 - 05.2022
Assistant Manager
Yes Bank
11.2016 - 10.2017
Deputy Manager II
ICICI Bank
08.2013 - 11.2016
PG Diploma - Finance
ICICI MANPAL ACADEMY FOR BANKING
B.Tech/B.E. - Biotechnology
Anna University
12 - Plus Two - Science
Jawahar Navodaya Vidyalaya
10th - 10th
Jawahar Navodaya Vidyalaya