Md Mojiur Rahman

Roles & Responsibilities - (HL/LAP)

• Conducted Telephonic and Physical Personal Discussions (PD) for HL/ LAP cases up to 1 Crore.
• Analyzed current and historical financial data to assess repayment capacity and creditworthiness.
• Surrogate Income Program (SIP) and Cash Assessment Program
• Reviewed recent financial performance, identified trends, and highlighted key risk indicators.
• Generated CERSAI reports and ensured charge verification.
• Initiated and coordinated Legal & Technical due diligence for collateral properties.
• Prepared detailed credit assessment reports and communicated insights to the broader business and credit teams.
• Investigated and resolved customer disputes related to credit decisions and underwriting observations.
• Evaluated credit history of applicants and co-borrowers to assess overall risk profile.
• Developed a thorough understanding of the client's business model and income sources.
• Drafted Sanction Letters (SL) with applicable terms and conditions.
• Prepared Credit Appraisal Memorandum (CAM) for Self-Employed and Salaried customers and recommended cases to higher authority.
• Analyzed Audited Financial Statements including Profit & Loss Account, Balance Sheet, and Cash Flow Statements for
• Proprietorships, Firms, Partnerships, LLPs, and Private Limited Companies.
• Performed detailed Banking Analysis and CIBIL, Analysis.
• Handled CAM underwriting as per internal credit policy.
• Managed disbursal of HL/LAP files and prepared SKR (OTC/PDD) documentation.
• Prepared and presented credit reports, effectively communicating findings and recommendations to stakeholders.

Roles & Responsibilities - (LAP)

• Conducted Telephonic and Physical Personal Discussions (PD) for HL/ LAP cases up to 20Lac.
• Preparation of CAM (Credit Appraisal Memorandum) for SENP and Salaried cases upto 25cr.
• Preparation and verification of RTR, Ratio Eligibility, and Banking Analysis for SENP cases
• Credit underwriting of loan proposals
• Initiation and coordination of Legal and Technical evaluations
• Banking analysis and assessment of cash flows
• Financial analysis of applicants and businesses
• CIBIL report generation, verification, and risk assessment
• Preparation and issuance of Sanction Letters
• Handling of Login Desk operations
• DM (Decision Memo) preparation
• Disbursal checks and reporting of disbursal data to RBI systems

Roles & Responsibilities-(HL)

• Login Desk operations and maintaining end-to-end tracking of login files.
• Preparation of CAM for SENP and Salaried cases, including.
• RTR, financial ratios, eligibility assessment, banking analysis, and ITR verification (SENP cases).
• CIBIL report generation and analysis.
• Basic data entry and quality checking to ensure accuracy and compliance.
• Handling various Home Loan schemes, including:-(BT), Top-Up Loans
• KYC verification for both Salaried and SENP cases as per policy norms.

Roles & Responsibilities-PL/BL

• Prepared Disbursement Memos (DM) for Personal Loans (PL) and Business Loans (BL).
• Processed loan cases under Normal, INBT, EXBT, and CO-BT categories for PL & BL.
• Conducted Non-Discrepancy Checks (NDC) for all case types including Normal, INBT, EXBT & CO-BT.
• Verified complete loan documentation as per banking checklist.

Handled Automobile Loan processing for:-

• New Car Loans & Used Car Loans
• Auto Top-Up Loans within assigned TAT.
• Verified automobile loan documents such as RC Booklet, Insurance Policy, Invoice, MMR, etc.
• Performed NDC checks for New Car, Used Car, and Auto Top-Up cases.
• Worked on ECLG (Emergency Credit Line Guarantee) cases.
• Managed PDD (Post-Disbursement Documents) and ensured timely compliance.
• Performed data entry and validation in FinOne system (RC, Invoice, Insurance, etc.).
• Worked on APS (Application Processing System) for digitization of physical files.
• Coordinated with Central OPS Team and DRO to resolve customer service and operational queries.

Role Responsibilities - Accounts

• Bank reconciliation and maintenance of petty cash records.
• Reconciliation of debtors and creditors accounts.
• Preparation of sales invoices, journal vouchers, and other accounting entries.
• GST reconciliation and filing of GST returns (GSTR-1, GSTR-3B, etc.).
• Preparation of MIS reports for management review.