Varun Dogra
Credit Administration Manager
Delhi,DL
Summary
To contribute meaningfully to the growth and success of the organization by undertaking challenging assignments and delivering the results by using the knowledge and skills, looking forward to work in professional environment to develop & sharpen professional knowledge and skills and thus becoming an asset to the organization
Overview
9
9
years of professional experience
Work History
Credit Administration Manager
Indusind Bank
04.2024 - Current
- Processing end to end Sanctioning, Disbursement and Renewal of all cases.
- Prepare Credit Appraisal Memo (CAM) and structure loan matrix according to the parameters of policy.
- Verify credibility of customers through CIBIL and dedupe.
- Deviate the deviations through supportive mitigants.
- Undertake assessment, appraisal and underwriting of proposal relating to financial requirements of borrowers including Loan and Fund/Non Fund Based limits
- Cross checking between credit appraisal and approval like FOIR, LTV, Tenure, Loan amount and other important elements like validity of reports, KYC and others.
- Visiting units/factories/office/property of the borrowers for inspection and conducting meetings with customers to ensure effective decision making and proper utilization of bank funds.
- Tele PD with customer and references.
- Appraise cases upto 100 Lakhs.
- Sanction documents (Facility, Security and other documents) preparation of documents and get them executed by the client and raising discrepancies to RM for resolution till all the documents are complete, proper and fulfilling sanction terms and conditions. Issuing PDC to open limits in finacle. Handling Business queries & objections and getting them resolved.
- Scritinizing Legal Report, Valuation Report, Title Deeds, Equitable Mortgage and all other documents.
- Processing Loan disbursement, Fresh limits, Renewal of limits, Enhancement proposals and requests like reshuffling of limits, Form CHG checking, Pari Passu letter issuance, Property release, Account closure, Lien marking/removal, Balance release, ROI updation, Insurance updation etc.
- EM/Charge creation on assets for perfection of security and registration / modification of charge in ROC and CERSAI. Deferrals/Exceptions tracking and monitoring.
- Submission of various RBI and internal data and handling audit queries etc.
Deputy Manager
HDFC Bank Ltd
12.2021 - 04.2024
- Handling Sanctioning and disbursement of working capitals products like Cash Credit, Dropping Overdraft, Term Loans, Bank Overdraft, Bank Guarantee and Letter of Credit
- Checking Legal and Technical report.
- Credit Risk and Financial Statements/Ratio Analysis of Companies and Individual clients.
- Handling underwriting process from file login, Sanction, Disbursement to cheque handover/Limit setting in accounts and ensure Transactions on time and accurate
- All docket and file are verified with the policy and perform all disbursement activity of all loans in system.
- Initiate the loan activity in accordance with credit agreements
Assistant Manager
Axis Bank Ltd
07.2021 - 12.2021
- Analyse financial data of past 3 years and extract and define relevant information
- Interpret data for the purpose of determining past financial performance and to project a financial probability
- Good knowledge of property documents, Financials and KYC's
- Cross checking between credit appraisal and approval like FOIR, LTV, Tenure, Loan Amount and other important elements like validity of reports and KYC and other approvals
- Solely handling Sanctioning of Haryana, Punjab and Jammu & Kashmir (Sanctioning minimum 300 cases for a month)
- Tele PD with customer and CAM preparation
CSA
ICICI Home Finance Company
02.2021 - 07.2021
- Preliminary credit checks of applications as per policy
- CIBIL and Dedupe checks
- To ascertain the eligible loan amount as per norms and different programs segments for both Salaried and SENP clients
- To analyze the existing and prospective risks towards the exposure
- Telephonic Verification of customers.
- Handling of customer Query and Complaints
- Maintaining & tracking of various Ops related MIS & ensuring proper follow-up and Performing Disbursement process with adherence to policy.
Credit Officer
IndiaBulls Housing Finance
06.2018 - 05.2020
- Performing disbursement procedure of NRI builder cases
- Reporting to Regional Credit Head related to work done by me
- In underwriting process ha doing mortgage home loan (Self Employed, Salaried and NRI Customers)
- Appraising the case upto 3 crore in salaried and Rs 50 lakh in Self Employed
- Follow up with operation team for the disbursal of the sanctioned cases
- Follow up with builders for pending property documents
Credit Processing Associate
Dewan Housing Finance Corporation
01.2017 - 12.2017
- Maintaining MIS of the cases sanctioned and disbursed
- Maintained excellent attendance record, consistently arriving to work on time
- Preliminary credit checks of applications as per policy
- Checking of CIBIL and de dupe
- Giving training to new joiners regarding CIBIL
- Regular follow ups of field investigation report
- Performing duties within TAT
Education
Post Graduate In Banking And Financial Mngt - Commerce
NMIMS University
MumbaiBachelor Of Business Administration - Commerce
Guru Govind Singh Indraprastha University
DelhiSkills
Honest Work Ethics
Hobbies and Interests
- Badminton
- Chess
- Music
Timeline
Credit Administration Manager
Indusind Bank
04.2024 - Current
Deputy Manager
HDFC Bank Ltd
12.2021 - 04.2024
Assistant Manager
Axis Bank Ltd
07.2021 - 12.2021
CSA
ICICI Home Finance Company
02.2021 - 07.2021
Credit Officer
IndiaBulls Housing Finance
06.2018 - 05.2020
Credit Processing Associate
Dewan Housing Finance Corporation
01.2017 - 12.2017
Post Graduate In Banking And Financial Mngt - Commerce
NMIMS University
Bachelor Of Business Administration - Commerce
Guru Govind Singh Indraprastha University
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