VINCENT THANKACHAN
Trivandrum, Kerala
Summary
Dynamic Senior Credit Manager with 15 years of comprehensive experience in Loan Against Property (LAP), and Housing Loan lending. Expertise in credit analysis, risk assessment, and loan underwriting, with a strong track record in portfolio management, policy compliance, and recovery enhancement. Skilled in conducting personal discussions to assess creditworthiness, building strong cross-functional relationships, and delivering results in high-pressure, decision-driven environments.
Overview
16
16
years of professional experience
Work History
Senior Credit Manager
Yes Bank Ltd
Trivandrum
12.2023 - Current
- Conduct in-depth credit analysis and evaluation of Prime LAP and Housing Loan proposals ranging from ₹10 lakhs to ₹15 crores for approval or decision-making at the local level, or for escalation and recommendation to Regional, National, or Credit Committee levels.
- Carry out on-site business visits, and obtain relevant credit information through direct interactions with the customer.
- Conduct in-depth external research and gather market feedback including insights from local reference, suppliers, and customers to evaluate the loan proposal in line with established guidelines.
- Coordinate with legal and technical agencies to ensure property-related risks are properly understood, and effectively mitigated.
- Continuously monitor the performance of the mortgage portfolio through ongoing analysis, and track overdue accounts to initiate appropriate actions in support of the recovery process.
- Follow up on pending OTC and PDD documents for the location, and conduct a critical review of outstanding documentation.
- Conduct regular training sessions for business teams, CPAs, supporting vendors, and bank branch channels to ensure timely knowledge updates. Carry out periodic channel visits alongside business teams, and maintain strong relationships with all interdepartmental units to ensure smooth operations across the South Kerala region.
Senior Manager - Credit
PNB Housing Finance Ltd
Trivandrum
10.2016 - 12.2023
- Credit underwriting of home loan and LAP proposals—sanctioning cases within approved authority limits and recommending files to the next level for approval, covering both SENP and salaried segments.
- Skilled in conducting personal discussions with applicants to assess the creditworthiness of proposals. Prepared clear and concise written summaries, including CAMs, and credit notes.
- Strictly adhere to file decision timelines (TAT) and ensure compliance with credit policies and accepted standards. Manage vendors and provide credit training to CPAs, DSTs, and DSAs on policy guidelines, KYC requirements, and other policy updates.
- Efficiently resolve all audit-related queries within stipulated timelines and monitor early mortality accounts. Review and closely track all MIS reports related to portfolio, credit, sales, and recovery. Conduct day-to-day monitoring of PDD and OTC activities.
Manager - Credit
Magma Housing Finance Ltd
Trivandrum
09.2015 - 09.2016
- Credit appraisal and sanctioning of LAP and home loans for the Trivandrum, Kollam, and Pathanamthitta locations. Completing PDs and strictly adhering to file decision timelines (TAT). Proficient in all operational activities, including documentation, disbursement, and post-disbursement processes. Responsible for completing post-sanction formalities, such as document verification, loan document execution, and collection of additional documents.
Assistant Manager - Credit
Dewan Housing Finance Corporation Ltd
Trivandrum
10.2013 - 08.2015
- Analyze applicants’ financials and conduct employment verifications to assess loan feasibility, including managing credit rating agency checks. Prepare clear and concise written summaries of analyses and reviews to support decisions on Housing and LAP loans. Identify and mitigate credit risks by completing employment and business verification visits to ensure the authenticity of loan applications. Assist auditors in resolving queries promptly and address audit inconsistencies in a timely manner, while maintaining strong relationships with sales and DST teams.
Assistant Manager
Repco Home Finance Ltd
Kollam
06.2009 - 10.2013
- Processing housing loan applications and recommending them to the Branch Manager for onward sanction by the corporate office. Coordinating with panel valuers and panel advocates for credit, legal, and technical assessments. Responsibilities include property inspections, stage-wise inspections, credit appraisals, field investigations, property valuations, documentation, and recovery. Effectively monitoring collections of PEMI, EMI, overdue , and NPA accounts. Handling all branch-related accounting tasks, including Service Tax, TDS, and inter-bank reconciliations.
Education
Diploma in Home Loan Advising & Counselling - Diploma in Home Loan
Indian Institute of Banking & Finance
Mumbai03-2013
MBA - Finance & Marketing
Dhanalekshmi Srinivasan Engineering College
Trichy Tamilnadu06-2008
Bachelor of Commerce - Taxation
St Gregorous College , Kottarakkara
Kottarakara, Kollam, Kerala06-2006
Skills
- Credit analysis
- Risk assessment
- Loan underwriting
- Financial evaluation
- Portfolio management
- Regulatory compliance
- Excellent in Conduction Personal Discussion
Accomplishments
- Recognized as the 'Rising Star Underwriter' at Yes Bank for outstanding performance in credit underwriting and contribution to business growth.
- Consistently received excellent performance ratings from previous employers, reflecting strong work ethic, reliability, and professional excellence.
Languages
English
First Language
Affiliations
Enjoy listening to music, playing cricket, and driving as part of a balanced and active lifestyle.
References
References available upon request.
Timeline
Senior Credit Manager
Yes Bank Ltd
12.2023 - Current
Senior Manager - Credit
PNB Housing Finance Ltd
10.2016 - 12.2023
Manager - Credit
Magma Housing Finance Ltd
09.2015 - 09.2016
Assistant Manager - Credit
Dewan Housing Finance Corporation Ltd
10.2013 - 08.2015
Assistant Manager
Repco Home Finance Ltd
06.2009 - 10.2013
Diploma in Home Loan Advising & Counselling - Diploma in Home Loan
Indian Institute of Banking & Finance
MBA - Finance & Marketing
Dhanalekshmi Srinivasan Engineering College
Bachelor of Commerce - Taxation
St Gregorous College , Kottarakkara
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