Shrinivas Ruikar

• Enforcement and adherence of the company credit process and policy in the Branches for Housing and Mortgage Loan
• Approval of Secured loans as per policy in defined TAT
• Approval of deviations as per policy
• Interacting with Branch Managers and Area Manager from risk and loss control perspective
• Understanding of Legal and Technical details in property document
• Responsibilities of taken title search from advocate and property Valuation report from External Valuer
• Responsibilities to resolve 100% in X bucket customers
• Responsibilities of maintaining vendor data management of Legal, Technical & CPV
• Responsible for all types of Operational works.

• Enforcement and adherence of the company credit process and policy in the Branches for Business Loan & Personal Loan
• Approval of Unsecured loans as per policy in defined TAT
• Approval of deviations as per policy
• Interacting with Branch Managers and Area Manager from risk and loss control perspective
• Understanding of Legal and Technical details in property document
• Responsibilities of taken title search from advocate and property Valuation report from External Valuer
• Responsibilities to resolve 100% in X bucket customers
• Responsibilities of maintaining vendor data management of Legal, Technical & CPV
• Responsible for all types of Operational works.

• Enforcement and adherence of the company credit process and policy in the Branches for Housing and Mortgage Loan
• Approval of Secured loans as per policy in defined TAT
• Approval of deviations as per policy
• Interacting with Branch Managers and Cluster Manager from risk and loss control perspective
• Understanding of Legal and Technical details in property document
• Responsibilities of taken title search from advocate and property Valuation report from External Valuer
• Responsibilities to resolve 100% in X bucket customers
• Responsible for all types of Operational works.

• Enforcement and adherence of the company credit process and policy in the Branches for Housing and Mortgage Loan
• Approval of Secured loans as per policy in defined TAT
• Approval of deviations as per policy
• Interacting with Branch Managers and Area Manager from risk and loss control perspective
• Understanding of Legal and Technical details in property document
• Responsibilities of taken title search from advocate and property Valuation report from External Valuer
• Responsibilities to resolve 100% in X bucket customers
• Responsibilities of maintaining vendor data management of Legal, Technical & CPV
• Responsible for all types of Operational works.

• Enforcement and adherence of the company credit process and policy in the Branches for Secured and hypothecated loans
• Approval of Secured and hypothecated loans as per policy in defined TAT
• Approval of deviations as per policy
• Review of portfolio with respect to delinquency/losses/fraud of the portfolio with branch manager
• Interacting with Branch Managers and Cluster Manager from risk and loss control perspective
• Understanding of Legal and Technical details in property document
• Responsibilities of taken title search from advocate and property Valuation report from External Valuer
• Responsibilities to resolve 100% in X bucket customers
• Also attention on PAR cases.

Working as Ops./Sr.Ops Officer from July.13 to Apr. 15 working at Ichalkaranji.

• Cash Handling & Cash Management to maintain Cash Average
• KYC Document Checking & Control to Forged
• Quality Checking
• To maintain office & Premises
• Staff Management
• Forward to Daily business report
• Data Entry
• Loan Disbursement in Cash
• File Dispatching to Ops Hub
• Handling Petty cash
• Resolve the audit Point
• Secured & UN Secured loan Handling
• Run the CIBIL
• CPV (contact point Verification) (PD)
• Portfolio Management
• Collection.

• Customer Relationship Management
• Processing of Gold Valuation, Appraisal and disbursement of Gold Loan
• Backend Operation - Gold Loan Interest calculation and collection, Accounting and Ledger Posting
• Processing of renewal and closure of GL
• Processing of all types of Chit work
• Preparation of all reports of GL and Chit
• Cash Management.

• Handling finance related works
• Arranging BG and PG
• Backend Operation - BG and PG related docs' preparation
• Preparation for tenders of sugar industry and chemical industry
• Manage loans from finance industry and banks.

• Handling all retailers query for SIM and Recharges
• Maintain all types of records
• Backend Operation - Punch all new activations of Mobile SIMs
• Report to RM of BSNL for daily routine
• Sale vouchers and sim of BSNL.

• Establish key qualification rules & credit worthiness of applicants
• Preparing credit evaluation reports evaluating risk in borrower, transaction and underlying security and making recommendations
• Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts
• Working on new credit monitoring measures and credit triggers and their tracking.
• Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client.
• Liasioning and networking in the industry to seek reference checks for clients as well as understanding the industry & economy dynamics.
• Ensuring the approvals are taken as per policies laid down and ensuring the internal policies on credit are not violated.
• Supervising and ensuring quick recovery of credit reports and proper maintenance of credit files to avoid any operational risks.
• Worked well in a team setting, providing support and guidance.
• Demonstrated respect, friendliness and willingness to help wherever needed.
• Assisted with day-to-day operations, working efficiently and productively with all team members.