Upender Painuly

• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
• Improved credit risk management by implementing effective underwriting policies and procedures.
• Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
• Mentored junior team members in credit management best practices to enhance overall department performance.
• Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
• Work cross-functionally with sales, management, and other departments to maintain effective operations.
• Reviewed and analyzed loan procedures.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Established a culture of continuous improvement within the credit department, driving process enhancements that increased productivity without sacrificing quality or control measures.
• Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.

Working as Territory portfolio manager with having sanctioning limit of Rs 30 lacs.

Handling portfolio of branch.

• Reduced delinquency rates with consistent monitoring and timely follow-ups on overdue accounts.
• Mitigated potential losses by conducting thorough due diligence on high-risk customers.
• Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance with all applicable laws and regulations.
• Enhanced team productivity by providing regular training sessions on credit management topics.
• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.

• Role of Credit manager.
• Sanctioning authority of 40 Lacs for HL and Lap.
• Handling credit Underwriting of HL and LAP cases.
• Mainly handling cases of Chandigarh panchkuka mohali punjab, haryana , HP and J & K.
• Sanctioning legal and technical of all LAP and HL cases.
• Maintaining financial sanctioning TAT of less than 3 days of SENP and 2 days of Salaried cases.
• Doing PDs, branch visits, vendors visits, property visits, conducting credit policy training of sales staff and credit staff.
• Expert in working in Finnone- LOS.
• Maintaining monthly CPC data.

• Handling, role of Branch Credit Manager.
• Presently handling Credit and Collection of branch, Chandigarh Sector 21 branch.
• Earlier Handling Credit and Collection of Chandigarh Salaried Cluster three branches (Chandigarh Salaried, Mohali Salaried and Panchkula) as a Branch Credit Manager.
• Having sanctioning authority of Rs 5 Lac for USL/EBL/ PL Secured and AL products.
• Having PD authority for Rs 50 Lac in LAP.
• Having good knowledge of LAP.
• Checking all files for logins, checking Cibil, SAS report of customers and other documentation in files.
• Doing PDs (Personal Discussion) of customers.
• Checking Eligibility of customers, Preparing Credit Appraisal Memo & Appraisal Note and Approve them/send it for approval.
• Checking and verifying all documentation in files and send it for to audit team for final verifications.
• Approving cases as per given sanctioning authority.
• Complete knowledge of Credit, Collection, Operation, Audit and Sales.
• Regular follow up with FI, FCU, Legal and technical and other business vendors.
• Providing policy training to back end credit team and other sales staff on monthly basis.