SHUBHANGI

1) Take pool generation data from the finance team, and prepare and validate loan pool data in accordance with the co-lending partner's due diligence checklist.

Timely sharing of required documents with CLM partners for due diligence.

3) Maintaining and circulating an updated tracker of queries raised by the CLM partner as part of due diligence. And getting queries resolved by coordinating with various internal teams.

Ensuring and monitoring that transaction funds are timely received and that account opening is completed by the partner's bank.

5) Maintaining various reports to track co-lending pool performance, as required by management from time to time. And ensuring all transaction documents and agreements with banks are systematically stored to be retrieved as and when required.

Track daily collection and passing collection information with the bank.

7) Maintained and monitored bank reconciliation activity for all transactions done through co-lending escrow accounts.

8) Assist in all process related compliances internally.

• Verification of all KYC documents of individual and company both & all income documents provided by Client like: - GST Audited and provisional and projections financials, TAR, MOA, AOA, ITR, COI, Rent Agreement, and property papers etc.
• Check all the CIBIL points like: DPDs, Overdues, Written off, SMA, NPA, Suit field etc.
• Property valuation initiate to Legal Team and Complete detail of Property with Location fill in Cam with Property Amount and collateral Coverage%
• Dedupes Check and Probe check of the Company profile and existing limit of Borrower check.
• Analysis GST KARZA report like: Periodic sales, periodic purchase, Top buyer, and supplier details
• Banking Analysis (Inward, Outward Cheque Bounces, Reversal Entries, Technical Transactions, Self-Transfer, and transfer from self-sister Concern entries etc.)
• Preparing the credit Appraisal Memo (CAM)of the customers and submitting to the credit manager for their final decision of sanction.
• PD with Customer on Call for detailing of Business and make UVR (Unit Visit Report) Sheet.
• Prepared Various MIS report and share day plan to my team and presentation and conducting training for the new joiners on the recent updates provided by the YBL.

• Preparation of CAM & pitch for recommencing case to higher authority.
• Evaluate the credit status of client and analyze banking habit of client.
• Checking login pendency for logging in the mortgage (HL & LAP) files.
• Complete basic data entry for Home Loan & LAP in APS.
• Assessing overall credit eligibility of customers as per bank policies.
• Verification of all KYC documents, all income documents provide by applicant.
• Contact clients to gather financial data and documentation.
• Calculate financials ratios (e.g., credit scores and interest rates)
• Complying with the TAT without compromising the rigor for credit analysis.
• Coordinates with Clients, Seniors & Other team members.
• Prepared loan MIS Data Daily basis.