Pallavi Singh

1. Credit Risk Assessment: Evaluate the creditworthiness of borrowers, analyzing credit reports, income, assets, and other factors.

2. Loan Application Review: Review loan applications, ensuring compliance with lending policies and regulations.

3. Credit Decisioning: Make informed credit decisions, approving or declining loan applications based on creditworthiness and risk.

4. Risk Management: Identify and mitigate potential risks associated with home loan lending, such as default or fraud.

5. Portfolio Management: Monitor and manage the home loan portfolio, ensuring that it remains within established risk parameters.

• Answering calls of the customer related to the queries of renewal, endorsement and claims
• Handling escalations of the customers related to claims
• Taking follow up with the health team for approval of the health claims
• Coordinating with other team members to finish the work effectively as a team

• Company Overview: Processing home loans files of HDFC LTD
• Monitored all credit requests and approved / disapproved it after analyzing
• Evaluated loan structures and ensured credit standards according to the company goals and policies
• Reviewed new and existing portfolios and identified risk areas
• Analyzed loan transactions and identified credit risks in each of it and prepared necessary projections
• Developed information of financials of all prospective customers
• Coordinated with team members to finish the work and work effectively as a team
• Processing home loans files of HDFC LTD

• Company Overview: Housing development Finance Corporation Limited(HDFC LTD) is a leading Housing Finance provider company in India which offers various types of home loans
• Responsible for handling the reception counter
• Handling accounting and legal inquiries by the means of walking customers and on telephone
• Proactively understand customer requirements & provide solutions
• Maintaining MIS
• Handling disbursements
• Cross Selling of HDFC product
• Responsible for tracking loans that are in default for interest calculation, default interest rates collection expenses, foreclosure expenses, etc
• Following up with the customers for collection of outstanding payments in their loan accounts
• Updating the customers about the status of their loans disbursements and explaining them the process of disbursements
• Keeping a track of all the loan disbursements cheques
• Responsible for maintaining the KYC compliance
• Assisting the branch manager to meet monthly targets for the branch
• Providing support to other functions
• Housing development Finance Corporation Limited(HDFC LTD) is a leading Housing Finance provider company in India which offers various types of home loans