Sudhir Kumar Singh

LAP (Loan Against Property) manages credit risk for secured loans, focusing on underwriting, risk assessment, policy adherence, and portfolio quality; key duties involve evaluating financial documents, coordinating with legal/technical teams for property valuation, ensuring compliance, handling escalations, managing vendor relationships (valuers, investigators), and generating MIS reports, all while supporting business growth within strict credit norms.

• Product: Small Ticket Secured Loan (STSL) & Micro LAP Handle Micro Loan Ticket size Lacs to 10 Lacs STSL Ticket size 10 LAcs- 2 Cr.
• Personal Discussions (PD) and decision-making within TAT and Cam Prepared.
• Coordinating with legal and technical vendors.
• Approving authority as per company norms 5 Lacs Credit Manager.
• Decision-making for subjective cash-flow based (non-financial) customer profiles
• Handling ITR-based, banking surrogate & other Products.
• Ensuring timely clearance of OTC & PDD.
• Controlling delinquency
• Improved credit risk management by implementing effective underwriting policies and procedures.
• Mentored junior team members in credit management best practices to enhance overall department performance.

• Preparing CAMs (Credit Appraisal Memos) and Physical PD.
• Conducting Tele PD & PD to understand customer background, property details, transaction types, income, and obligations
• Analysing CIBIL reports to assess credibility and repayment history
• Underwriting loans as per company policy
• Reviewing legal and technical property reports
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Checked appraisals, title information and insurance documents for each property.

• Sales and and Operation Driving Business Processing Home loan application and Lap Loan.
• Handling Customer Queries and support Branch Activity.
• Handle accounting and back end/data operations (cash entry, bank entry in the system), documentation etc. independently. Marketing/Recovery activities

• Analyzing income, bank statements, credit reports, and assessing repayment ability.
• Meeting customers, understanding needs, counseling, and collecting documents.
• Handling documentation, disbursement, and ensuring timely processing.
• Field Work- visiting Physical Discussion Group Members customers at centers Point.
• Analysis The Income of Groups Members and Verify with Kyc and local Reference check.

• Handled customer inquiries, SBI POS machine and complaints, ensuring a positive experience for all Existing customer of SBI.
• Increased sales by building strong customer relationships and providing excellent service existing customer of SBI top Merchants.
• Request for application SBI POS machine and coordinate vendor for Timely Delivery POS machine.
• Local market survey for Swipe machine not used merchant shared feedback to SBI local Branch.
• Always Follow to top Merchants for CC loan convert in SBI Branch.
• Small Merchant providing Biometric Devices and QR code of SBI.

• Magadh University Bihar
• GPA: 58.12%