Nitin Nayan

Detail of the work done:

• Lending, risk and leadership skills to drive the remediation of the loan portfolio and establish the necessary risk processes, infrastructure and a new risk culture
• Ensure Compliance with Credit Policies and Procedures
• Prepare BRD for process improvement and implement credit policies within the team
• Oversee the production and maintenance of the portfolio database and reports
• Ensure that the business development and relationship management group understands and develops business in accordance with the Bank’s credit guidelines
• Train and Mentor credit assessor regarding change in process and credit guideline
• Liaison with New Zealand Team and conduct Calibration session / Credit huddle
• Achievement:
• Year End Award for 2022 for Bangalore Support center
• Trainer for Sales Development Project (SDP) and migration process from NZ to Bangalore.

Detail of the work done:

• Approve loans within specified limits and refer loan applications outside those limits to management for approval
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
• Setting credit policies, credit lines, procedures and standards in conjunction with senior managers
• Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information
• Understand the requirements of the onshore partner and assist the team in maintaining the existing reporting procedures, tools and workflows necessary to facilitate the reporting process
• Achievement:
• Pilot batch for implementation of Auto Pay Macros in NSF space
• Lead & Implementation of Scorecard Approved Personal Loan in Unsecured Team
• Best Employee Nomination in 2019 as part Group CSO Award.

Worked for: Business Banking & Agri, Lending Operation Services, New Zealand Operation.

Detail of the work done:

• To Co-ordinate with Branch, solicitor, Lending Services Officer, Insurance Company in New Zealand
• Preparation of security documents like Letter of Instruction, Loan Deed
• Mortgage Deed, Letter of Cross Guarantee
• Limited Guarantee, Unlimited Guarantee
• Prepping of the security document, loading securities and registering security in government agencies as well as in the core banking system
• Liaison with Lending Service Officer, Branch consultant, Solicitor and other stakeholders at Newzealand for disbursement of new loan, Settlement of loan in Business Sector and Rural Sector Loans
• Sending Security
• Document to Solicitor for signing and execution of it by customers
• Funding of Loan, Implementing Limit for Flexi
• Loans, Approval of legal and discharge fee
• Create a new Packet for New loan and Obsolete the security for discharge in banking core system and put the document after execution by customer in the imaging platform for future reference for all
• Managing the workflow queue, assigning work to staff
• Achievement:
• Kaizen Star for the Month of September, 2012
• Best Performer for the Month of October, 2012
• Extra Miler for the Month of May 2013
• Innovator for the Quarter (Oct- Dec 2013)
• Star Performer for 4 months in 2015, 6 months in 2016.

• Department Worked for: Central Reporting Unit.

• Worked for: Credit – Consumer Banking Unit

• Worked for: Recovery and Consumer Credit

• M.I.S, Credit Card Authorization.