Pavan Kumar Varayuri

• Reviewing credit applications, and processing them according to best practices

• Underwriting the Loan Against property (LAP) Proposals including personal discussion with applicant for Self-employed professionals and Non-professionals (Like proprietorship firms, Partnership firms, LLP, small corporate and mid corporate, developers etc.)

• Have undertaken multiple categories and types of applicants where my ticket size would range from 2 core to 30 Cores.

• Checking the KYC documents, company profile, CIBIL data and eligibility calculations

• Evaluating and processing individual loan and credit applications of Home Loan and Loan against Properties

• Managing underwriting of SENP, NRI and Salaried profiles

• Participating in the monthly audit and assist the auditors in all queries and take actions for all audit inconsistency in a timely manner

Executing Mortgage Lending & Home Loans Credit Risk Management, MIS.

• Facilitating credit appraisal , monitoring CPA processing and facilitating final disbursement.

• Underwriting the housing loan proposals including personal discussion with applicant for Self-employedProfessionals and non-professionals (like proprietorship firms, partnership firms, LLP, small corporate and mid corporates.
• Appraising credit proposals & judging appropriateness of relevant documents for risk mitigation before sanctioning / disbursing the loan, ensuring compliance with credit policies and procedures.
• In Person verification of Business set up and Collateral properties at the time of Personal Discussion.
• Evaluating the genuineness of the loan proposal after conducting customer interview and verification of financial and other related documents.
• Financial Statement Analysis viz. Analysis of Profit and Loss A/c and Balance Sheet, Financial Ratios, Working Capital Cycle, Company/Business Analysis and Industry /Competitor analysis, deciding on the credit worthiness.
• Did Underwriting Monitoring the disbursement process.
• Reviewed the PDD pending and delinquencies of (0-30)

• Was a part of the Credit Hub : Telangana for a brief period responsible for recommending majority of high value cases & NRI
  applications.
• I have been part of the Emerging Markets Desk initiative since 2021 which involves exploring lending opportunities in rural areas and market appraisal concentrating on establishing developer relation with brand HDFC and tapping the affordable housing segment.
• As a team, we were able to add 100+ Cr to our Branch's Loan book within 24 months of operations with zero delinquencies till date.
  The role includes over-the-counter analysis of financial documents, sanctioning cases recommended by Credit Hub , monitoring pre-disbursal and post-disbursal compliance.
• Working in different verticals like credit, branch operations, doing the collection reviews, and the role is to fund real estate developers (small developer finance) - construction finance and inventory financing. It includes structuring and credit analysis, market appraisal, financial analysis, monitoring, and complying with pre-disbursement conditions, and document execution.

• Primary responsibility being risk-based pricing of Housing Finance proposals, assessing risk through judgmental scorecards and underwriting for both salaried and self-employed proposals.
• Assisted in handling largest branch of the company with AUM 600+
  Cr back then

• Joined in the programme of Post Graduation diploma in finance from ITM Business school after successful selection from DHFL.
• completed PGDFS certificate from ITM Vocational University and placed as Management Trainee at CPU of Hyderabad, had trained in different verticals like Credit, Business Development, collection monitoring then chose the Credit vertical to underwrite product of HL, LAP.