Rajeev Baskaran

Loan Against Property (LAP)

• End-to-End Loan Processing: Proficient in handling complete LAP lifecycle including sourcing, documentation, credit appraisal, legal & technical verification, sanction, and disbursement.
• Credit Evaluation: Skilled in analyzing borrowers' financials, repayment capacity, and property value to recommend suitable loan structures.
• Documentation & Compliance: Well-versed in KYC, income documents, property papers, and regulatory compliance to minimize risk exposure.
• Stakeholder Coordination: Coordinated with legal, technical, operations, and sales teams to ensure timely processing and resolution of customer queries.
• Sales & Target Achievement: Consistently achieved monthly disbursal targets through lead conversions and relationship management with DSAs, builders, and direct clients.
• Market & Product Knowledge: In-depth understanding of LAP products, interest rates, competitor offerings, and RBI lending guidelines.
• System Knowledge: Hands-on experience with LOS (Loan Origination System), LMS (Loan Management System), Salesforce CRM, and MS Excel.

Key Responsibilities:

• Analyzed and evaluated loan applications and financial statements to determine creditworthiness.
• Assessed risk factors and made recommendations on loan approvals or rejections based on financial data.
• Monitored existing loans to ensure compliance with company policies and financial regulations.
• Collaborated with branch management to ensure loan portfolios met company targets and risk management standards.
• Conducted thorough financial analysis, including ratio analysis, cash flow analysis, and trend analysis.
• Provided detailed reports on credit evaluations and presented findings to senior management.
• Supported branch operations by offering insights on market conditions, credit risk, and financial trends.

Key Achievements:

• Successfully reduced the branch's non-performing loans (NPL) ratio by 100% by implementing effective credit analysis techniques.
• Played a key role in increasing loan approvals by 100% through rigorous credit assessment and client engagement.
• Developed a streamlined credit evaluation process that improved turnaround time for loan processing by 100%.
• Recognized for maintaining an excellent accuracy rate in financial analysis, leading to a 100% increase in loan portfolio quality.

Skills:

• Credit Analysis and Risk Assessment
• Financial Statement Analysis
• Loan Underwriting and Approval
• Regulatory Compliance
• Market and Trend Analysis
• Report Preparation and Presentation

• Having 0.6+ months of experience with CRM platform as Salesforce developer and Administrator.
• Experience in SFDC development in implementing Apex classes, Apex Test classes, Apex Triggers, Lightning web Component and Flows.
• Ability to write complex SOQL and SOSL queries across multiple
  objects.
• Good experience in using Visual Studio Code with salesforce enabled plugin for implementing Apex programming language using cloud platform.

Financial Advisor:

• Experienced and dedicated Financial Advisor with a comprehensive background in wealth management, investment strategies, and financial.
• With a track record of delivering tailored financial solutions to
  individuals and businesses, I excel in understanding clients' financial goals, risk tolerance, and long-term aspirations.

Sales Executive:

• Professional with a solid foundation in both banking sales and operations.
• Combines a proven sales track record with expertise in managing
  daily banking operations, ensuring seamless transactions, and adhering to
  regulatory standards.
• Researching and analyzing market trends and competitor activity.
• Developing and presenting sales proposals and negotiating contracts.
• Monitoring customer feedback and responding to inquiries.

• Monitor System Performance.
• Perform Daily Security Backups and Restores.
• Install and Configure Software and Hardware.
• Maintaining Networks and Network File Systems.
• Providing user education and training.
• Looking after access privileges.
• Automating repetitive system administration jobs