NITHIN LAL. M
Kollam
Summary
I am looking for the challenging job where I can utilize my talent and knowledge. I want to learn from the organization and grow with organization.
Overview
10
10
years of professional experience
Work History
Branch Credit Manager
Mintifi Finserve Private Limited
05.2024 - Current
- Analysis of Financial Statement, Bank statement and other key parameter to check the credit worthiness for Unsecured Working Capital Loan
- Personal discussion with clients to understand the business model & financial aspects to justify the working capital gap and to establish Credit worthiness
- Credit approval and ensuring approval is within TAT
- Interact with the client, gather requirements, financial statements and other inputs for performing quality Credit analysis and due diligence
- (for renewal & new borrowers)
- To ensure completion of credit/KYC documents and verification-telephonic, field & collateral visits
- Checking and appraising proposals, scrutinizing documents including SOA analysis, Cibil analysis ensuring proper KYC etc before sanctioning with proper TAT and Quality and presenting the same to Credit manager/Senior credit managers at HO directly or through Credit team at HO
- To prepare Credit Appraisal Memo (CAM)
- To coordinate with sales to achieve targets and ensure TAT or SLAs are met
- To ensure credit policy adherence to the accepted standards
- To control and contain front-end delinquencies by calling up customer on first presentation
Assistant Manager- Credit Underwriting
PayU Finance India Private Limited
04.2022 - 05.2024
- Underwriting of Personal Loans and Business loans for PAN India
- Proper review of CIBIL Reports, Salary Slips, ITR, Financial statements of various loan applicants
- Approval authority up to 7.5 Lakhs
- Regular personal discussion and cash flow analysis with customers for analyzing the business growth and stability
- Reviewing and initiating for Fraud checks
Team Leader
PrivoCorp
02.2021 - 09.2021
- Processing of US Residential Mortgage
- Reviewed and analyzed Loan Application, Credit reports, Income documentation, Title work, Appraisal Report
- Processed all documentation according to Investor guidelines
- Analyzed documentation to assure Underwriting Compliance
- Liaison between borrowers, Mortgage Consultants and Closing agents
- Calculated and reviewed all fees and Closing costs
Credit Manager
HDFC Bank Ltd
01.2020 - 02.2021
- Underwriting of PL in Cochin Location
- Monitor and enforce approval rate and TAT within acceptable standards
- Collection responsibility
Credit Manager
Magma Fincorp Ltd.
07.2018 - 12.2019
- Underwriting of Business Loans in Trivandrum Location
- Evaluating Credit proposals Covering financial, business and industrial risk & decision making of the loan
- PD authority up to 25 lakhs
- Conduct customer meeting to evaluate credit proposal
- Reviewing and initiating for Fraud checks
- Collection responsibility
Credit Relationship Manager
HDB Financial Services.
08.2016 - 10.2017
- Underwriting of Personal Loans, LAP, and Car Loans in Kollam Location
- Ensuring login of loan application as per Policy
- Proper review of CIBIL Reports and Financial statements of various loan applicants
- PD authority up to 10 lakhs in LAP loans and 3 Lakhs for AL and PL
- Regular personal discussion and cash flow analysis with customers for analyzing the business growth and stability
- Monitor and enforce approval rate and TAT within acceptable standards
- Ensure that monthly branch audit score is satisfactory
Mortgage Processor
Entregar Solutions.
10.2014 - 07.2016
- Processing of US Residential Mortgage
- Reviewed and analyzed Loan Application, Credit reports, Income documentation, Title work, Appraisal Report
- Processed all documentation according to Investor guidelines
- Analyzed documentation to assure Underwriting Compliance
- Liaison between borrowers, Mortgage Consultants and Closing agents
- Calculated and reviewed all fees and Closing costs
Education
MBA - Finance
DY Patil University
11.2024
Bcom - Computer Application
T.K.M.Centre for Higher Education
01.2013
Plus Two - undefined
TKDM HSS
01.2009
S.S.L.C - undefined
Kristraj Higher Secondary School
01.2007
Skills
- Loan underwriting
- Credit evaluations
- Credit risk management
- Underwriting expertise
- Loan decision assessments
- Loan reviews
- Credit analysis
Languages
English
Malayalam
Tamil
Additional Qualification
- M.S.Office
- Tally Erp. 9
- Peach Tree
Disclaimer
I hereby declare that the above details are correct to my knowledge.
Personal Information
- Age: 33
- Place of Birth: Kollam
- Citizenship: Indian
- Date of Birth: 08/26/91
- Gender: Male
- Marital Status: Married
Timeline
Branch Credit Manager
Mintifi Finserve Private Limited
05.2024 - Current
Assistant Manager- Credit Underwriting
PayU Finance India Private Limited
04.2022 - 05.2024
Team Leader
PrivoCorp
02.2021 - 09.2021
Credit Manager
HDFC Bank Ltd
01.2020 - 02.2021
Credit Manager
Magma Fincorp Ltd.
07.2018 - 12.2019
Credit Relationship Manager
HDB Financial Services.
08.2016 - 10.2017
Mortgage Processor
Entregar Solutions.
10.2014 - 07.2016
Bcom - Computer Application
T.K.M.Centre for Higher Education
Plus Two - undefined
TKDM HSS
S.S.L.C - undefined
Kristraj Higher Secondary School
MBA - Finance
DY Patil University
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