RATNESH TIWARI
Roorkee
Overview
1
1
Certification
Work History
Axis Bank
- End to end Quality check and disbursement of EEG / Business Loan and LAP
- Post disbursal activities
- Audit daft and revert
- Roc /CHG4 filling
- Loan closure as per customer request
- Property release and NOC hand over
- Udyam and Stock update
- Customer Service request for refund/ reversal and waiver of charges if any
- Regular follow up with sales / credit Team as well as CPU team
- Presentation of 1 EMI chq for business loan cases.
HDFC BANK
- Loan Disbursement (Working Capital (EEG / BBG and LAP), Commercial Vehicle loan, Auto loan, Personal loan and Gold loan
- Regular follow up with sales and credit team for file related query and rectification
- Filing Form 8 and charge creation (ROC)
- Audit and compliance handling (Post Disbursement Audit)
- Vault handling (Vaulting of property papers (safe keeping, E Mort and Registered Mort)
- File dispatching
- PO handling (PO cancelation, re issuance, temp cancel and re validation)
- Refund and Reversal as per customer request (notional interest, penal interest, Roi conversion, Limit shifting, downsize internal GR transfer)
- Loan re Booking, Loan temp and permanent cancelation and Part payment, Property Vaulting and release
- Deferral/OTC closure on daily basis, Customer Service Desk Operation
- Ensure timely dispatch of loose docs and file
- Chq clearing through CTS / NPCI.
ICICI BANK LTD
- Disbursement of Personal Loan, Automobile Loan , Two-wheeler Loan and Gold loan
- Processing INBT, EXBT, Business loan and DAS case in Personal Loan
- Regular follow up with credit teams in case of any discrepancy found in file
- Quality checking of most important documents of each case for error free disbursement
- Loan disbursing within assigned TAT
- Closure of old loan under respective assigned process in INBT cases
- Repayment entry (1 emi Chq and sec mandates) in (Finn-one)
- Checking Emi clearance in BRS in INBT cases
- North India disbursement
- Customer Service
- Conversion of Home Loan IRR and EMI as per customer request
- Closing Service Request within tat
- Adjusting Part Payment in system
- Generating NOC and sending external documents to customer by Foreclosure
- Receipt SR closure in FCRM
- Positions of responsibility
- FPR for MIS loan linking, Blocking, updating RC and other related information update in Finnone
- Handling ICRM & FCRM request for smooth processing
- Publishing daily MIS to head office Mumbai
- Maintain good quality check of forms receiving from branches and Convey discrepancies to senior management and resolve any inconsistencies to the guidelines
- Regular follow up with loan credit team for smooth processing of loan.
Kotak Mahindra Bank
05.2023
- Handling Authorization of All transactions in Branch(NTB/Renewal/Enhancement/Short Renewal/Part Release) in working capital loans
- Handling end to end Retail asset Branch operations
- Audit and compliance reverts
- Team handling and coordination
- Roc charge filling and satisfaction
- Cersai charge creation and satisfaction
- Quality checking and Limit loading
- MIS handling and reporting to higher management daily basis
- Conduct meeting with Team members for any new roll out and implementation of process
- Reversal and Refund to customer
- Property management
- Closure of OTC and PDD Deferrals
- Dispatch Handling
- Part tome support to Mid Office team for Documents preparation on Digi portal
- Providing process related training to new comers.
Education
PGDBO - Banking
NIIT, Chandigarh, IFBI
01.2012
B.Sc - Food Science
Heritage Institute of Hotel and tourism Agra, Punjab Technical University
01.2010
XII - Commerce
Greenway Modern Public School Roorkee (Uttrakhand), C.B.S.E
01.2007
X - Science
Sawan Sr. Sec School, Punjab Board
01.2005
Skills
- MS office
- Team Handling
- Operations
- Mortgage Loans
- Vendor Management
- Time Management
- Public Speaking
Certification
- NISM- Series-V-A : Mutual Fund
- NISM-Series-VI: Depository Operations
Careerrecital
- Kotak Mahindra Bank, 05/01/23, Handling Authorization of All transactions in Branch(NTB/Renewal/Enhancement/Short Renewal/Part Release) in working capital loans., Handling end to end Retail asset Branch operations, Audit and compliance reverts, Team handling and coordination, Roc charge filling and satisfaction, Cersai charge creation and satisfaction, Quality checking and Limit loading, MIS handling and reporting to higher management daily basis, Conduct meeting with Team members for any new roll out and implementation of process, Reversal and Refund to customer, Property management, Closure of OTC and PDD Deferrals, Dispatch Handling, Part tome support to Mid Office team for Documents preparation on Digi portal, Providing process related training to new comers
- Axis Bank, 06/07/22, 05/10/23, End to end Quality check and disbursement of EEG / Business Loan and LAP., Post disbursal activities, Audit daft and revert, Roc /CHG4 filling, Loan closure as per customer request, Property release and NOC hand over, Udyam and Stock update, Customer Service request for refund/ reversal and waiver of charges if any, Regular follow up with sales / credit Team as well as CPU team., Presentation of 1 EMI chq for business loan cases
- HDFC BANK, 10/31/18, 05/03/22, Loan Disbursement (Working Capital (EEG / BBG and LAP) Commercial Vehicle loan, Auto loan, Personal loan and Gold loan, Regular follow up with sales and credit team for file related query and rectification., Filing Form 8 and charge creation (ROC), Audit and compliance handling (Post Disbursement Audit), Vault handling (Vaulting of property papers (safe keeping, E Mort and Registered Mort), File dispatching, PO handling (PO cancelation, re issuance, temp cancel and re validation), Refund and Reversal as per customer request (notional interest, penal interest Roi conversion, Limit shifting, downsize internal GR transfer), Loan re Booking, Loan temp and permanent cancelation and Part payment, Property Vaulting and release., Deferral/OTC closure on daily basis, Customer Service Desk Operation, Ensure timely dispatch of loose docs and file., Chq clearing through CTS / NPCI
- ICICI BANK LTD, 09/27/12, 10/22/18, Disbursement of Personal Loan, Automobile Loan , Two-wheeler Loan and Gold loan, Processing INBT, EXBT, Business loan and DAS case in Personal Loan., Regular follow up with credit teams in case of any discrepancy found in file., Quality checking of most important documents of each case for error free disbursement., Loan disbursing within assigned TAT., Closure of old loan under respective assigned process in INBT cases., Repayment entry (1 emi Chq and sec mandates) in (Finn-one)., Checking Emi clearance in BRS in INBT cases., North India disbursement., Customer Service, Conversion of Home Loan IRR and EMI as per customer request., Closing Service Request within tat., Adjusting Part Payment in system., Generating NOC and sending external documents to customer by Foreclosure, Receipt SR closure in FCRM.
Professionalcontour
Offering 10 Years of total experience in Retail asset Operation in disbursement (Personal Loan, Automobile Loan, Loan Against Property (LAP) Working Capital (WC), commercial Vehicle (CV), kisan gold card and in Gold Loan. Presently associated with Kotak Mahindra Bank. Proficient in team coordination. Quality check, Loan disbursement, post disbursement activities, publishing MIS, Audit draft and Compliance handling and other end to end Retail assets banking Operations. A result-oriented individual committed towards the growth of organization through continuous learning, innovation, high performance and integrity with exposure to new areas of challenging task. Aiming towards delivering best results with hard work and sincerity in the job responsibility assigned.
Personal Information
Date of Birth: 09/08/90
Hobbies and Interests
- Comprehensive problem-solving attitude with high perseverance.
- Quick learner, hard working and a team facilitator.
- Ability to keep calm under pressure
- Methodical and organized
- Ability to motivate subordinates.
Timeline
Kotak Mahindra Bank
05.2023
Axis Bank
HDFC BANK
ICICI BANK LTD
PGDBO - Banking
NIIT, Chandigarh, IFBI
B.Sc - Food Science
Heritage Institute of Hotel and tourism Agra, Punjab Technical University
XII - Commerce
Greenway Modern Public School Roorkee (Uttrakhand), C.B.S.E
X - Science
Sawan Sr. Sec School, Punjab Board
- NISM- Series-V-A : Mutual Fund
- NISM-Series-VI: Depository Operations
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