PAVAN VYAS

• Assessment of working capital products including Secured OD, Cash Credit (CC), WCDL, WCTL, CGTMSE limits, BG , LC and Unsecured Business Loans for both branch and DSA-sourced cases

• Conduct credit risk assessment and underwriting through detailed financial statement and ratio analysis

• Prepare and present case in Loan Origination System (LOS) for both Fund and Non Fund based proposals.

• Analyze CIBIL, CRIF , banking transactions, and GST data to prepare Credit Appraisal Memos (CAM)

• Perform mandatory due diligence including GST and PAN verification, fraud checks, PEP/political exposure screening, criminal background checks, and market reference checks

• Conduct site visits to evaluate business operations and working capital requirements for loan assessment

• Monitor and review monthly churn and delinquency MIS, driving resolution through proactive housekeeping and follow-up.

• Collaborated with cross-functional teams to streamline loan approval workflows.

• Conducted regular audits of credit files for compliance with regulations.

• Advised clients on credit options and repayment plans to ensure understanding.

• Monitored industry trends to adapt credit strategies effectively.

• Reviewed accounts for signs of fraud and non-payment issues.

• Ensure credit assessments and OD/CC renewals are completed within defined TAT

• Review and validate valuation reports, including technical vetting and legal title clearance certificates.

• Providing training to Juniors and CPAs, supervise task execution, and review monthly productivity metrics

• Maintain and analyse daily MIS to track case status and portfolio health.

• Preparation and filing of Income tax and GST Returns of various assesses.
• Preparation of CMA Data and Performing Tax Audits.
• Ensuring compliances with provisions of Companies Act 2013 and Accounting Standards.
• Visited and Assisted in many Cooperative societies audit including their vouching-and verification.