R Ranjith Kumar

Roles and Responsibilities

• Played role in CMMD (Credit Management and Monitoring Division) as Administrative Assistant in Corporate Office.
• Credit Analysis: Assess the credit worthiness of potential borrowers which are submitted by branches.
• Risk Assessment : Evaluate the level of credit risk, including payment behavior and affordability
• Credit policy : Develop and implement credit policies and procedures ensure with internal guidelines
• Credit underwriting : Approve and Reject the credit application based on the risk assessment
• Credit Monitoring : Monitor the credit performance of existing borrowers and taking proactive measures to address potentials delinquencies and default
• Customer Relationship Management : Build and maintain relationship with customer to understand their credit needs and address credit related concern
• Personal discussion (PD): Personal Discussion with customers ensure all the given details (KYC, income.)
• End Utilization: Once the loan is sanctioned, done field visits for the End Utilization Process they are utilize the loan in right purpose.
• Credit Inspection: Visit the specific branches based the organization requirement audit from the log in to Disbursement process, Ensure all process done as per organizational norms.
• Business support: Coordinate with business development officers and branch managers to achieve the allocated target.