Manjunatha Dyavanakatti
Mysore
Summary
- To secure the job in the finance sector in your organization which could help me learn new skills and deliver my potential of financial analysis and strategic implementation of the new approach towards the development of the company.
- Credit Underwriting.
- Credit Analysis.
- Hard working, dedicated and sincere towards profession.
- Ability to maintain record books and ledger entries, MIS.
- Proficiency of working with MS office, advance excel and tally ERP 9.
Overview
7
7
years of professional experience
Work History
Credit Manager (SME)
PROTIUM FINANCE LTD
Mysore
08.2023 - Current
- Appraise/underwrite the loan.
- Manage the entire credit application process, right from login to disbursement
- Manage quality portfolio understands Local business market
- Manage disbursement related activities in adherence to defined policy parameters
- Co - ordinate with vendors on quality parameters with in defined TAT
- Training of CPA/DMA
- Responsible for TAT delivering for decision, sanction and disbursement.
Manager Retail Credit
TATA HOUSING FINANCE LTD
Mysore
04.2022 - 08.2023
- Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities
- Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes
- Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits
- Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure
- Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same
- Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal
- Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team
- Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies
- Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team.
Portfolio Manager
ICICI Home Finance Ltd
Mysore
04.2021 - 04.2022
- Credit Checks - Field visits- for verification of Housing Loan approached customer's residence, office, property visit for which loan applied
- Responsible for file completion and data entry into system
- Responsible Cross Verification loan Books and documents
- Personally investigate the customer Credit applications and access credit worthiness of the borrower
- Pro Activity controlled fraud, Cost analysis & other admin work
- Appraising proposals, conducting risk analysis & scrutinizing relevant documents before
- Assess the clients' requirements and thereby handle all customer queries with 100% satisfaction of customer, handling error free processing, with Good audit Score
- Overall Helping of disbursal department for smooth process flow
- Loan Disbursement Process
- Collections.
Branch Credit Manager
Aadhar Housing Finance Ltd
Mysore
11.2018 - 04.2021
- Manage customer credit files
- Monitor the credit granting and updating process
- Personally investigate the customer Credit applications
- Credit Checks - Field visits- for verification of Housing Loan approached customer's residence, office, property visit for which loan applied
- Pro Activity controlled fraud, Cost analysis & other admin work
- Appraising proposals, conducting risk analysis & scrutinizing relevant documents before
- Analyze various activities of Credit Underwriting with co-ordination with Technical valuer & legal lawyer & Collections assess the credit worthiness of clients and take adequate steps to ensure timely receipt of payments
- Overall Helping of disbursal department for smooth process flow
- Train Up In End to end process from sanction to disbursement.
Management TraineeIn Credit
Aadhar Housing Finance Ltd
Mysore
07.2017 - 11.2018
- Helping for ensuring error free underwriting of loan customers in line with approved processes and policies
- Responsible for file completion and data entry into system
- Responsible Cross Verification loan Books and documents
- Worked in all areas of accounts, credit appraisal, operations, and Technical for the Housing Loan
- Assess the clients' requirements and thereby handle all customer queries with 100% satisfaction of customer, handling error free processing, with Good audit Score
- Overall Helping of disbursal department for smooth process flow
- Train Up In End to end process from sanction to disbursement.
Education
MBA (FINANCE) -
BIMS Mysore, Mysore University
Mysore06-2017
BCOM -
GFGC Hirekerur, Karnataka University
07-2015
PUC (COMMERCE) -
GOVT P U COLLEGE
HIREKERUR06-2012
SSLC -
SSVHS MASUR
05-2010
Skills
- Good communication skills
- Hard working, patience, confident
- Good learner and listener
- Basic, MS Office and tally ERP 9
- Advance excel
Accomplishments
- Participated in the various events (Quiz, Debate, etc.) and won many prizes.
- Volunteer in the management fest - MANTRA 2K17
- Attending North Indian Educational Tour.
Languages Proficiency
- Kannada
- English
Current Residence
No 377/4 Basaveshwara Residency, Mysore, 570022
Personal Information
- Date of Birth: 06/28/94
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declare that the information furnished above is true to my knowledge.
Timeline
Credit Manager (SME)
PROTIUM FINANCE LTD
08.2023 - Current
Manager Retail Credit
TATA HOUSING FINANCE LTD
04.2022 - 08.2023
Portfolio Manager
ICICI Home Finance Ltd
04.2021 - 04.2022
Branch Credit Manager
Aadhar Housing Finance Ltd
11.2018 - 04.2021
Management TraineeIn Credit
Aadhar Housing Finance Ltd
07.2017 - 11.2018
MBA (FINANCE) -
BIMS Mysore, Mysore University
BCOM -
GFGC Hirekerur, Karnataka University
PUC (COMMERCE) -
GOVT P U COLLEGE
SSLC -
SSVHS MASUR
Similar Profiles
Samrat DasSamrat Das
Branch Sales Manager at PROTIUM FINANCE LTDBranch Sales Manager at PROTIUM FINANCE LTD
Shivam DubeyShivam Dubey
BRANCH SALES MANAGER at PROTIUM FINANCE LTDBRANCH SALES MANAGER at PROTIUM FINANCE LTD
NITEESH KUMARNITEESH KUMAR
Senior Relationship Manager at Protium Finance LimitedSenior Relationship Manager at Protium Finance Limited