Shivkumar Goud

Profile : Business loans, LAP, MEQ, MICRO LAP

Which is specialist in SME funding, providing secured and unsecured Loans.
Review QC for all new loan submissions to Operations from business to ensure
quality & completeness of files before Disbursal.
Currently handling entire operation unit at Mumbai, Thane and Pune.
Handled allocation of work to team member of the unit and monitoring the same.
Responsible for reply to superiors as well as various levels and departments.
Responsible for co-ordination with business & credit for resolving the queries relating
to loan proposal.
Audit of LAP & Working Capital files & disbursement of loans to customer.
Filling notice of intimation to SRO for mortgage properties.
Verification of Legal report, Title search report, Valuation report in case of property
taken as collateral.
Handling repayment (PDC, NACH, ) for all loans .
Sending NACH and ECS mandate to vendor for registration and track them till registration.
Review and confirm all property documents are in compliance with the bank policies & as
per Legal clearance for disbursal of loan.
Process DSA, Files and Generate Code for issuing payout and tracking purpose.
Accountable for the service quality of the team and to ensure that all pre-disbursal related
policies and processes are followed.
Preparing and presenting various disbursal related Daily/Weekly and Monthly MIS
Verification of KYC docs, Loan details with CAM, Sanction letter, Disbursement
documents, etc.
Updating of OTC (over the Counter) and deferred documents in the system.

• Business Loan

Currently handling entire operation unit at Mumbai.
Walkthrough given on live cases to New Lender.
Review QC for all new loan submissions to Operations from business to ensure
quality & completeness of files before Disbursal.
Meet internal deadline of disbursements for Business Loan.
Meet internal timelines for Activation of NACH activities.
Engaged in customer residential and business asset management.
Handled collections for cases in the 60-90 day bucket during the Covid pandemic period
Managed a team of 16 members, consisting of 14 off-roll employees and 2
employees on the company's payroll
Maintain various MIS on regular basis.
Resolve Queries, Requests and Complaints of internal as well as external customers.
Upload customer data in Trans Union CIBIL, CRIF, and EQUIFAX & Experian on monthly basis.
Managing Disbursal Activity (In-house/ Third Party).
Managing disbursal Kit signing activity.
Managing Asset Management (Post Disbursal Visit).
One point contact for CPV, CPA, and Verification agencies.

• Loan against property, BT/TOP-UP

Involved in setup of new NBFC (VOLITION CREDIT & HOLDINGS
PVT. LTD)
Which is specialist in SME funding, providing secured and unsecured Loans.
Currently handling entire operation unit at Mumbai.
Handled allocation of work to team member of the unit and monitoring the same.
Responsible for reply to superiors as well as various levels and departments.
Responsible for co-ordination with business & credit for resolving the queries relating to loan proposal.
Audit of LAP & Working Capital files & disbursement of loans to customer.
Filling notice of intimation to SRO for mortgage properties.
Verification of Legal report, Title search report, Valuation report in case of property taken as collateral.
Handling repayment (PDC, NACH, ) for all loans .
Sending NACH and ECS mandate to vendor for registration and track them till registration.
Review and confirm all property documents are in compliance with the bank policies & as per Legal clearance for disbursal of loan.
Process DSA, Files and Generate Code for issuing payout and tracking purpose.
Accountable for the service quality of the team and to ensure that all pre-disbursal related policies and processes are followed.
Preparing and presenting various disbursal related Daily/Weekly and Monthly MIS
Verification of KYC docs, Loan details with CAM, Sanction letter, Disbursement documents, etc.
Updating of OTC (over the Counter) and deferred documents in the system.
ROC filing in case of corporate case owing property.
Maintaining records of PO handover to Sales & credit.

• Loan against Property-LAP (Secured Term Loan) and Personal Loan

Taking legal approval from Credit Head.

Monitoring the timely Execution of Registered Mortgage with loan applicants before handing over the disbursement cheque.

Disbursement of files in the system (LOS) HDB Financial Services Ltd.

Verify of all documents which have been brought by the Branch disbursal team for quality checking.

Ensuring Legal documents and Technical valuation report are in proper format and valid details.

Legal Documents should be matched with Legal Report, Vetting Report & Approval Mail

Ensuring all per-credit conditions should be cleared such FI Residence & FI Office verifications, ITR verification, Bank verification, TVR, CIBIL & SAS verification report.

Preparing LOD in LOS and send along with property papers to Central Operation Team (Storage Team)

Update daily Disbursal MIS & OTC, PDD MIS and send to all branches.

Cash should be deposited to CMS on daily basis.

Cash Receipt Details should be updated in CMS Tracker which are deposited to CMS team.

Handling on daily basis cheques of EMI, Foreclosure, Part Payment & Legal & Technical Payment

• Loan against Property-LAP (Secured Term Loan)

Preparing CAM (Credit Approval Memo) which includes Eligibility Calculation as policy wise, Banking ground Floor Analysis, Loan Obligation, Financial Analysis).

Verifying and Login Files (This Includes verifying Documents such as Audited financials Statement , KYC Documents, Application Form, Loan repayments of Customers, Etc ).

Checking Disbursement Kit (This includes Loan agreement, Demand promissory Note, Disbursement request form, PDC).

Handling Legal Valuation Activities

• Mortgage Loan (Home Loan & Loan Again Property)

Checking files of Mortgage Loan (Home Loan & Loan Again Property).
Checking Eligibility, KYC Document, Business Document and Financial Document. And Login the file.
Making the Quality Analysis of Self Employed files and eligibility
Maintain Co-Ordination with Sales, Operation and Credit.
Trigger Valuation and Legal. And follow up the same.
Handling Daily Standard Login MIS and Disbursal MIS
Checking Disbursal docs and Making of Doc card and LTV calculations as per Bank policies.

• Fresh Working Property Document & BT Mortgage Property Document

Fresh Working Property Document & BT Mortgage Property Document Should be RIC.
Updating Stock Statement in Laser Soft & Shock & Awe.
Updating Insurance Policy in Laser Soft.
Updating Deferral Document in Shock & Awe
Proper Filling of Rejected Document
Maintain Proper MIS.
Preparation of property Release Letter , NOC, No Dues Letter, Insurance Letter.
Document to be Handed over to Lawyer for Vetting WC/ Mortgages.
Vault Management Physically with Soft Copy MIS.
Retrieving The Property Docs from The Vault & Handing over The Local Ops Manager for Disbursement Purpose .
Shifting of Property Docs to NAX as per Defined Process.
Preparation of List of Property Document.
Mortgage Property Documents Received from RM update in Property Vault Register and Update MIS.
Login Renewal CAM File Received from Credit PVR Updation in Excel.