Aditya Narayan

Credit Manager @Bandhan Bank

Gaya, IN

Loan Sanctioning Authority(Credit Manager). • Credit Underwriting. • To report directly to AM-LSA / RM-LSA at respective office. • Communicate with Relationship Executive to ensure that the loan applications are in line with sanctioning policies. • Reviewed, Maintained, and make crucial decision on applications in compliance with company policies and procedures; Communicated decisions to clients. • Identified potential clients and using own knowledge and expertise established credit lines. • Collaborated with subordinates on the reduction of Overdue Accounts. • Prepared Daily/Monthly/Annual reports for AM-LSA/RM-LSA. • Ensuring all documents provided by customers are as per the guidelines and maintained in accordance with the legal requirements for commencement of loan processing. Mandatory to check all projects / Businesses before giving loan approval. • To do loan appraisal and scoring (After proper validation of collected data / Information). • Calculating the valuation of Customer’s Business, Assets & Liabilities. • Calculating the past performance of Customer’s Business. • Providing loan approval & issuing sanction letter, commencement of legal procedure and other formalities. Ensuring disbursement / Rejection of file within the Turnaround Time(TAT). • Sending file to BU Team for disbursement and keeping follow up. • Preservation of file and making arrangement for safe keeping of file at BU. • Correction of Audit Findings, Ensuring Timely compliance and sending report to Senior / HO. • Quick Mortality for account disbursed in the last 9 Months.

Sant Shivanand Academy

10th

Gopal Narayan Singh University (GNSU), Jamuhar (Rohtas)

Master of Business Administration - MBA, Finance

Arunodaya University

Post Graduation Diploma In Computer Applications, Computer Applications

Veer Kunwar Singh University, Arrah

B.com, Accounting

Sri Shankar College, Sasaram

Intermediate (10+2), Commerce