Rushikesh Sonkul

• Evaluate and approve credit proposals Retail up to 1.00 crore based on income assessment, bureau reports, banking trends, and market intelligence.
• Maintain TAT and quality parameters while ensuring adherence to internal policies and external regulations (RBI norms).
• Collaborate with sales, operations, and collections to drive healthy portfolio growth with minimal NPAs.
• .Conduct training and mentoring programs for new team members.
• Regularly audit credit files to monitor risk indicators and propose corrective actions.
• Responsible for PDD & OTC management.

• Recommending the Affordable and Prime Home Loans proposals adherence to the policy for approval to higher authority.
• Conduct personal discussion with Salaried and Self Employed customers.
• Co-ordinate with sales to achieve targets by ensuring TAT and adherence to the define policy.
• Vendor Management.
• Assessing creditworthiness of the potential client by studying financial history basis documents submitted, Market Information, reference checks etc.
• Responsible for PDD & OTC management.
• To ensure Audit compliance and regulatory compliance for the branch.
• Handling the credit and Ops Team.

• Credit Appraisal Underwriting of HL and LAP Cases.
• Responsible for managing Team of credit Officers and ops.
• Vendor Management. - Legal, Technical & FI.
• Having recommendation authority to Approving authority for sanction.
• Ensure that the Product program is properly followed & responsible for the application process from login to disbursement.
• Implementation of processes, Compliance for the branch.
• To recommendation on loan applications within the prescribed TAT and creation of quality credit portfolio through adherence to policies and credit processes.
• Training New hires.

• Credit Appraisal Recommendation of HL and LAP Cases to Sanction committee.
• Check the Loan applications adherence to Bank policy.
• Follow up from Vendors -Legal, Technical & FI for getting reporting in TAT.
• Do Personal discussions with salaried as well as self-employed customers.
• Ensure that the Product program is properly followed & responsible for the application process from login to disbursement.
• To recommendation on loan applications within the prescribed TAT and creation of quality credit portfolio through adherence to policies and credit processes.

Key Achievements:
• Awarded as Star of the Month for processed the mote than 80% cases with minimum TAT.

• To check the documents of HL and LAP cases as per bank policy.
• Banking analysis.
• Feed the data entry of login files on system and forward to appropriate authority.
• Co-ordinate with Legal, Technical & FI departments to getting report within TAT.
• Compliance of Pre sanction and post sanction requirements.