Jugal Mahecha

• Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
• Risk monitoring, digital transformation, Fraud investigation. I have developed Business model analysis, Data analysis and Financial analysis skills.
• At present, doing PD verification to verify actual data verification against documents submitted by customer at the time of loan proposal, Make Recommendation preparation of new loans files at Branch, collaborate with sales people to make healthy portfolio of Branch.
• I have experienced of credit analysis of various types of loans in my professional career like Unsecured Business loans, Secured business loans, Mortgage loans, CV And refinance of the same etc.

To handled process of files from login to disbursement.

Assigning and reporting of Credit Officer for daily working activities.

Preparing & Maintaining Daily Credit MIS at branch level.

To maintain and verify Daily MIS at Branch level.

To visit the and understand at customer’s place with respect to EMI collection problem facing at branch.

To Ensure monthly target given by higher authority has been achieved by branch.

Due Dilligence And Compliance adherence.

Assessment and underwriting of new loans proposals.

To provide tables and reports charting portfolio information.

• Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
• Oversaw reporting, documentation and recordkeeping requirements for department.
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Held sales coaching sessions.
• Handling Branch Petty cash expenses and maintaining petty cash sheet of Branch.
• Referred delinquent accounts to collections department or outside resources.
• Collaborated with management to evaluate credit strategies and develop improvements.

• Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
• Assigning and reporting of CRM for daily working activities
• Preparing & Maintaining Daily Credit MIS at branch level
• Doing Personal Visit at Customers Shop/House for reduce credit risk.
• To Co-ordinate with Branch Manager
• To Check and verify Cibil and other credit reports of customers
• To Ensuring the portfolio quality management And healthy branch portfolio

• Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
• Originated, reviewed, processed, closed and administered customer loan proposals.
• Held sales coaching sessions.
• To coordinate with Branch Manager
• Maintaining of Branch portfolio
• To implement the instruction and policies given by upper level - ZCM
• Preparing & Maintaining Daily Credit MIS at branch level.

• To Check and verify Cibil and other credit reports of customers.
• To Co-ordinate with Local Sales Manager and Area Credit Manager.
• Preparing & Maintaining Daily Credit MIS at branch level.
• Maintaining of Branch portfolio.
• Preparation of Excel CAM for loan amount more than 50 L

Reviewed customer financial data to ascertain level of risk involved for extending

credit.

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Analyses financial reports to identify potential lending liabilities and credit risks to

reduce defaults and loss of funds.

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Preparation of CMA Projections based on financials statements of clients And help

business team for pitching best suitable facility according need of customers.

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To make internal ratting of the cases including both ETB And NTB case based on the

CMA data prepared.

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Presented key information to upper management and the executive team for loan

recommendations.

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Preparation of report of limit expiring clients and doing taking initiative of for

necessary financial documents to put up renewals in system within due time.

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To Generate the due-diligence of including Commercial CIBIL, Consumer CIBIL,

CRILIC Data, BQS etc. of the cases and analyzing of the same reports for making

proposal CAMs.

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In line with credit polices framed by organization, making proposal CAMs for

NTB/ETB to submission in credit team and doing reverts of any quarries/clarification

asked by same side.

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To raise EFORMS in the system for sanctioned given by Authority to start the limit in

the Finacle.

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Performed underwriting, financial analyses and calculations of key financial ratios

for small businesses to track performance.