Naresh Karagana

Technical Valuation Manager - LAP,

Designation: Assistant Manager,

Company: Manappuram Housing Finance Ltd.
Duration: January 10, 2023 – July 17, 2025.

• Conduct a physical inspection of residential, commercial, and industrial properties offered as collateral.
• Assess construction quality, building condition, location advantages, and legal status of the property.
• Verify ownership documents, approved building plans, and property tax receipts.
• Evaluate market value using appropriate valuation methods (e.g., sales comparison, cost approach).
• Cross-check property dimensions and area as per the title deed, site inspection, and sanctioned plan.
• Analyze local market trends, recent comparable sales, and future development potential.
• Prepare detailed valuation reports with photographs, measurements, and value justification.
• Ensure valuation aligns with bank/lender policy and regulatory compliance (RBI/NHB guidelines).
• Identify any encroachments, zoning violations, or legal/technical risks that may affect loan approval.
• Coordinate with the credit and legal departments for queries and clarifications.
• Maintain the confidentiality and integrity of property and client data.
• Adhere to strict turnaround times (TAT) to support fast loan processing.

Company: M.R. Constructions, Visakhapatnam, AP Duration: 2019 – 2022 Experience: 3 years (site work).

Key Responsibilities:

• Supervised daily construction site activities.
• Monitored execution, as per drawings and specifications.
• Managed labor and site materials.
• Coordinated with contractors and senior engineers.
• Ensured safety and quality standards on-site.
• Assisted in preparing cost estimates for civil engineering projects, enabling accurate budget planning and resource allocation.