Prabhulinga Kumbar

Hubli

Summary

To enhance my professional skills, capabilities and knowledge in an organization which recognizes the value of hard work and trusts me with responsibilities and challenges. Overall : 10 Years Experience in Credit Underwriting

Overview

Certifications

Work History

Area Credit Manager

Poonawalla Fincorp Ltd

Appraise /underwriting LAP Product
Manage the entire credit application process, right from login to disbursement
Sanction Authority Upto 75 Lakhs at Level 1
Understing the Financials of the Customers
Manage quality of portfolio
Manage post disbursement documents and partly disbursed cases
Co-ordinate with legal, technical, FI and Risk Containment Unit agency for processing the
Docket preparation
Understanding the Legal /Technical of collateral
Training of CPA / DMA / DME/BSM/
Responsible for TAT of delivering sanction letter and disbursement
Audit Compliances
Deliverables:
Resolve customer issues and legal cases pertaining to sanction and disbursements
Conduct Training sessions

Education

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Ankura Pre

Bachelor - Arts Economics

Karnataka University

PUC - undefined

Karnataka

SSLC - undefined

Karnataka Government High School

Skills

Passion: Constantly raises the bar for self & team, has a strong execution bias, takesInitiatives even in the face of signiﬁcant difﬁcultiesCustomer First: Leverages every customer interaction as an opportunity to make anImpact, consistently seeks to understand customer needs, is accessible and responsiveCompliance with Conscience: Own norms are aligned with Organizational code ofConduct & regulatory norms, consistently sets example by own conduct, always checksOn grey areaswith relevant authorityICICI Bank LtdBranch Credit ManagerJob Role & ResponsibilitiesAppraise /underwrite the loan/Home Loans /Mortgage Loan / Personal Loans /Business Loans /Commercial vehicle LoanManage the entire credit application process, right from login to disbursementManage quality of portfolioManage post disbursement documents and partly disbursed casesCo-ordinate with legal, technical, FI and Risk Containment Unit agency for processingThe ﬁleDocket preparationTraining of CPA / DMA / DMEResponsible for TAT of delivering sanction letter and disbursementAudit CompliancesCross sellDeliverablesResolve customer issues and legal cases pertaining to sanction and disbursementProcessConduct Training sessionsCompetenciesOn grey areas with relevant authorityReports toZonal Credit ManagerIDFC First Bank LtdCredit Manager MortgageAppraise /underwrite the loan/Home Loans /Mortgage Loan /Business Loans/UsedCar LoansCredit/Legal/Technical/AppraisalField InvestigationSanctioning DOA Upto100 lacs at branch LevelDisbursement ProcessAudit ComplianceReporting toCluster Credit ManagerAadhar Housing Finance LtdAppraise /underwrite the loan/Home Loans /MortgageBusiness developmentin HomeLoan,Mortgage LoanEnsuring of KYC,original IDproof and address proofField Investigation/Personal DiscussionSanction ProcessProcessArea Credit ManagerMotilal Oswal Housing FinanceRegional Credit ManagerGURU Finance LtdCredit Ofﬁcer Home LoanManage the entire credit application process, right fromLogin to disbursementMaintain contacts and friendly relationship with customersHome Loans Customer ServiceCAM Preparation same Sendinding to Approving AuthorityLegal Technical reports follow upComplete Disbursement processPDD CollectionsInvolving in Collections Tele follow up and Visiting to customer spotLegal Sarfaisi Initiations/Legal Notice to default CustomersBranch entire credit ProcessBranch ManagerKotak Mahindra Bank LimitedCredit Associate Home Loans & LAP20082006Manappuram FinanceJunior assistant to Branch HeadTo maintaining the goldSafetyCustomer ServiceGold Appraisal and check Loan EligibilityMaintaining Cash counter and Gold safe custodyMonitoring the branch staffReporting the branch to seniors on timeMoney transfer processBranch RecoveryArea Head

Certification

Reports to:RCM

Timeline