Milan Prajapati

• Sactionaning authority of up to 50 lacs case of India & USA & Abroad case - Education loan ( Secured & Unsecured Case )
• Underwriting of files & Recommended case as per policy
• Checking Educational Part of Student academic & University & collage course part
• Handling all types credit activity of as per company policy
• Personal discussion with customer ( at business place & TVR )
• FAT Analysis ( Financial analysis , Profit & loss , Balance sheet )
• To check KYC as per policy of RBI Guide Line, FCU Process Activity, checking financial audit reports, check out banking , pan print, CIBIL Analysis & Corporate CIBIL, loan detail, MCA report (Ministry Corporate of Affairs)
• To check legal document for initiation of legal report
• To initiate legal & technical reports to vendors ,
• Follow up all kind of report from vendor ( Legal , Technical , FI, Billing Detail )
• Original docs verify as per legal report
• Vendor visit in every 6 months
• Make sure about smooth processing of the file right from the login to sanctioning stage, also co-coordinating till final disbursement
• Disbursement file checking
• Participated in team projects, demonstrating an ability to work collaboratively and effectively.
• Demonstrated respect, friendliness and willingness to help wherever needed.
• Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.

• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Underwriting of files & Recommended case as per policy
• Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
• Personal discussion with customer ( at business place & TVR )
• FAT Analysis ( Financial analysis , Profit & loss , Balance sheet )
• To check KYC as per policy of RBI Guide Line, FCU Process Activity, checking financial audit reports, check out banking , pan print, CIBIL Analysis & Corporate CIBIL, loan detail, MCA report (Ministry Corporate of Affairs)
• To check legal document for initiation of legal report
• To initiate legal & technical reports to vendors ,
• Follow up all kind of report from vendor ( Legal , Technical , FI, Billing Detail )
• Original docs verify as per legal report
• Vendor visit in every 6 months
• Make sure about smooth processing of the file right from the login to sanctioning stage, also co-coordinating till final disbursement
• Disbursement file checking
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• Analyzed applicants' financial status and credit determine loan feasibility - Business Loan, Personal Loan...( MSME Product )
• Underwriting of files & Recommended case as per policy
• Compiled data critical to analysis of annual bad debt.
• Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Attended ongoing professional training to facilitate accurate and productive credit management.

• Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
• Business Loan, Personal Loan, LAP (Loan against Property)
• Organized and finalized loan applications for underwriter review.
• Checked appraisals, title information and insurance documents for each property.
• Verified application and account details to accurately asses credit and financial risks of potential clients.

• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews for (Loan against property)
• FAT Analysis ( Financial analysis , Profit & loss , Balance sheet )
• To check KYC as per policy of RBI Guide Line, FCU Process Activity, checking financial audit reports, check out banking , pan print, CIBIL Analysis & Corporate CIBIL, loan detail, MCA report (Ministry Corporate of Affairs)
• To check legal document for initiation of legal report
• To initiate legal & technical reports to vendors , follow up all kind of report from vendor ( Legal , Technical , FI, Billing Detail )
• Original docs verify as per legal report
• Disbursement file checking

• Checked figures, postings and documents for correct entry, mathematical accuracy and proper codes for Business loan and Loan against property....
• Calculated, prepared and FAT Analysis ( Financial analysis , Profit & loss , Balance sheet )To check KYC as per policy of RBI Guide Line, FCU Process Activity, checking financial audit reports, check out banking , pan print, CIBIL Analysis & Corporate CIBIL, loan detail, MCA report (Ministry Corporate of Affairs) To check legal document for initiation of legal report according to established procedures.
• Improved understanding of financial statements, which helped in assessing risk.
• Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
• Created credit policies, processes and procedures to maintain compliance with banking regulations.

• Checked figures, postings and documents for correct entry, mathematical accuracy and proper codes for TW loans & Auto loans.
• Utilized 10-key calculators, typewriters and copy machines to perform calculations and produce documents.
• Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.