JOHNSON ANTONY RAJ X

Develop and manage relationship with almost 150+ developers and 65+ connector across all states in south & West 1.

• Responsible for Business, Yield, Collection & profitability across all the states.
• Managing 4 Regional Head across states for Numbers.
• Responsible for new loan originations Yield, and achievement of target for construction finance business for South & West 1
• Handle all facets of business development, loan originations, project analysis, market data research, credit risk assessment & loan closing apart from ongoing asset maintenance.
• Capacity planning, recruitment and Training of new resources.
• Manage, train, and mentor a team of Regional heads who are responsible for the originations of construction finance loans.
• Review the recommendations of RMs and other Credit Managers and provide guidance in resolving complex or sensitive problems.
• To call on the real estate developers, loan brokers & consultants regularly to solicit and develop the CF business.
• Generate distinctive structuring solutions to solicit business as a part of financial service offering.
• Preparation of the credit note for BH approval after reviewing the various project details, cash flows & financials apart from the developer & project visits.
• To assist the policy unit in the formulation/modification of credit policy for construction finance product.
• Responsible for appointment, evaluation and monitoring of all external vendors involved in the CF Initiation & Underwriting process.
• Create and manage progressive relationships with real estate professionals to create a dynamic database of contacts and data sources relevant to the real estate market.
• To manage loan & portfolio credit quality.
• To manage overall customer and portfolio profitability.
• To interface regularly with other units and divisions for ensuring seamless process flow.
• To prepare and monitor capacity plans for officers and vendors quarterly. Goals and KPIs are to be set for all direct reports, and a periodic review of their performance is to be made.
• To meet and conduct a quarterly review of developers, projects, and the price grids with the technical appraisers.
• Monitor and Review the group & developer exposure on monthly basis.
• Formally known as Edelweiss Finance Ltd

• Develop and manage relationship with 83+ developers and 34+ connector channels across Chennai, Coimbatore, Bangalore and Kerala region.
• Responsible for sourcing Quality Developers proposals for Project funding and evaluation of proposals as per the broad policy guidelines & Working closely with consultants for determining viable cases.
• Have contributed nearly 70crs of disbursements till Jan 2015 with 102crs of sanctioned proposals on hand for disbursement for TN & KL.
• To call on the real estate developers, loan brokers & consultants regularly to solicit and develop the CF business.
• Liasioning with Lawyers and Valuers to determine the project viability.
• Working closely with Risk Department to take the proposal through.
• Responsible for Handling end to end of the proposal till disbursement with timely transfer of funds.
• Responsibility of working close with operation team on monitoring the accounts properly and handling escrow account operation through operation support.
• Handling of repayments and co-ordination with customers.
• Timely resolution of post disbursement customer requests by engaging with the stakeholders concerned.
• Periodic review of accounts through external agency for audit and valuation.
• Assisting in resolving audit observations in a timely manner.
• Implementing suggestions put forth by the auditors as per the agreed timelines.

• Managing business development & accountable for profitability & increased sales growth.
• Developing prospective clients across various sectors for deeper market penetration.
• Planning Sales promotions for New Product Launch Monitoring Back end operations to maintain TAT.
• Managing a team size of 3 team managers, 8 business development officers and one tele caller.
• Channel Development.
• Establishing strategic alliances / tie-ups with financially strong and reliable DSA, DSTs resulting in deeper market penetration and reach.
• Monitoring channel sales and marketing activities; implementing effective strategies to maximize sales and accomplishment of revenue targets.
• Channel Management - Handling DSA's and DST team.
• Cost Management - Maintaining branch profitability.

• Taking care of hardcore sales for mortgages.Client Acquisition (HNIs),SENP, Doctors, CA’s and Client Servicing for LAP,LRD and Home OD, Promoting Sales action in the branch area and industrial areas so as to generate prospective leads, and plan marketing calendar so as to ensure that we achieve the target.
• Handled both cross sell and corporate channel, I was involved in channel management for the direct sales team.
• The job involves day-to-day co-ordination with the direct sales team of 25 counselors, planning and execution of marketing and promotional activities for the team for lead generation.
• Liasioning with ICICI Bank branches, builders, corporate and other potential sources of business is part of my responsibility.
• Special Appreciation by RBH and ABH for outstanding performance for disbursing 3.3 Crores individually.

• Taking care of Liability sales & Operation at the Branch.
• Meeting Customers, explaining to them to product features, handling their complaints with regard to Banking.
• Cross selling other banking products like financial advisory services, retail assets, Demat Accounts, Travel Currency Card.
• Handled a Team of 8 members in Sales Promotional Activities and motivating them to achieve their targets.