Preetpal Kaur
Bengaluru
Summary
Ambitious team player seeking career opportunities in the banking sector to contribute to organizational goals.
Overview
11
11
years of professional experience
Work History
MANAGER-Business Banking Operations
HDFC BANK
Bengaluru
01.2022 - Current
- Documentation - Scrutiny of all security, facility, and constitutional documents required at the time of transactions.
- Ensure timely completion, quality, and compliance within the operation area.
- Disbursal of working capital facilities like Cash Credit, Bank Guarantees, Letter of Credit, Working Capital Demand Loan, Overdraft, including security creation, and limit setup.
- Reviewing and validating loan documentation, meticulously verifying borrower information for completeness and accuracy.
- Reviewing CAM and assessment of working capital requirements by looking into churning and utilization.
- Reviewing complex documentation, evaluating risks, devising strategies to mitigate documentation risk.
- Coordinating with credit and business teams to resolve pre/post limit setup discrepancies.
- Evaluating underlying collateral and margins for the proposed exposure.
- Perform routine administrative and operational tasks related to loan documentation.
- Support in performing a variety of loan documentation duties on moderately complex loans to ensure compliance with the company's policies and procedures for loan products.
- Payments - Payment processing of loan files and current account opening.
- Evaluating all documents of account opening, along with appropriate KYC.
- Raising CRILC for all the customers for account opening and uploading the same in Laser Soft.
- Processing payments of term loans and takeover cases via RTGS, NEFT, and PO as per client's requirements.
- Renewals - Timely renewals and enhancement of all mapped customers as per client's requirements.
- Examine documents related to process and initiate timely renewals to prevent limit from dropping.
- Ensuring all the necessary documents are received before the transaction.
- Maintaining renewal MIS and circulating it to the business and operations teams.
- Tracking deferral of documents according to CAM, and closure on time.
ASSISTANT MANAGER – CCPD
SUNDARAM FINANCE LTD
Delhi
01.2017 - 01.2022
- Credit Underwriting - Assessing creditworthiness and risk in accordance with credit policy.
- Evaluating hire purchase and loan application forms to assess the repayment capacity of customers.
- Underwriting close to 200 applications on a monthly basis to generate substantial volume.
- Analyzing and reviewing business loan requests up to 16 crores in a single document.
- Weighing credit parameters of utmost relevance to come to a consensus on the disbursement of a loan.
- Analyzing the credit history of proposals by studying the credit bureau reports.
- Payment Processing - Scrutinizing loan documents of all asset classes and payment processing for the northern region.
- Checking all asset class loan-related documents, including working capital and GECL.
- Effectively assessing credit risk of income proof and non-income proof customers with appropriate KYC.
- Processing of payments via RTGS and NEFT for all loan-related disbursal activities.
- Hunter Clearance/Fraud checks – Identifying and monitoring fraudulent behavior at the point of application.
- Screening new applications for suspicious activities, thus improving the onboarding experience of genuine customers using Experian.
- Invoice Insurance – Collection and inward of invoice insurance for the northern region.
- Preparing invoice-insurance MIS and coordinating with branches and HO for timely inward.
- Deficiency Follow-up & reports - Clearing deficiencies in the loan-related documents.
- Enhancing quality of loan documents by timely follow-up with branches.
- Preparing MOM and YTD SCP & AGRI penetration report, and sharing it with branches.
INSURANCE COORDINATOR
SUNDARAM DIRECT
Delhi
01.2014 - 01.2017
- Insurance follow-up - Responsible for all insurance-related processes of Sundaram business and post-sales services.
- Issuing cover note and further submitting it to the Insurance company.
- Preparing month-end insurance MIS and other related reports.
- Assisting in advance payment deposit reconciliation for the company.
- Customer Relationship Management - Coordinated the CRM-related activities for the company.
- Managing the company's relationships and interactions with customers, thereby generating good quality leads.
- Uploading mutual fund MIS and conveying the results to the regional sales manager.
Education
MBA -
Pondicherry University
T.N01.2018
Certificate & Diploma - Japanese
Delhi University
New Delhi01.2014
B.Sc. - General Sciences
Delhi University
New Delhi01.2012
Skills
- Microsoft Office Suite (Excel, Word, and PowerPoint)
- Financial Management
- Cross-Functional Teamwork
- Loan Processing
- Documentation Review
- Credit assessment
- Underwriting support
- Risk management assessments
- Transaction Processing
Accomplishments
- Received Silver Award for best performer during the year 2022-23.
- Received two awards for handling highest volume in the first year of joining the team.
- Cleared the JLPT N-5 level, a national level Japanese exam.
STRENGTHS
- Readiness to adapt to changing environment.
- Ability to work quickly & accurately, especially under pressure & within cross cultures.
- Organized, strong time management skills & ability to prioritize multiple tasks in order to meet established deadlines.
- Excellent interpersonal & communication skills with the ability to build positive relationship.
Languages
Hindi
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Punjabi
Proficient (C2)
C2
Japanese
Beginner (A1)
A1
Timeline
MANAGER-Business Banking Operations
HDFC BANK
01.2022 - Current
ASSISTANT MANAGER – CCPD
SUNDARAM FINANCE LTD
01.2017 - 01.2022
INSURANCE COORDINATOR
SUNDARAM DIRECT
01.2014 - 01.2017
MBA -
Pondicherry University
Certificate & Diploma - Japanese
Delhi University
B.Sc. - General Sciences
Delhi University
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