Amit Gupta

Experience

1. Head - Credit & Risk

   Fedbank Financial Services Ltd - Fedfina

   Sep 2012 — Present · Mumbai, IN

   Credit UnderwritingLoan against Property (LAP)• Evaluation of proposals received for LAP from all locations• Approval / recommendation of all the proposals received for LAP• Personal discussion with borrowers for loan proposalsConstruction Finance (CF)• Meeting developers to understand their background, projects executed, funding requirement etc. • Site visit of on-going and completed projects of the developer• Evaluation of proposals received for construction funding with respect to project viability, security cover, cash-flow analysis, legal and technical due diligence, structure etc.• Circulation and presentation of proposal to Credit Committee for approval• Authorization of first and subsequent disbursed to the developers against milestonesRisk / Portfolio Monitoring – Loan against Property, Construction Finance and Gold LoansLoan against Property (LAP)• Monthly monitoring of portfolio on various parameters like type of property, usage of property, product variants, Loan to Value, bounce analysis etc. • Monitoring of pending OTC / PDD Construction Finance (CF)• Tracking of sales milestone, collections and other post disbursal conditions• Issuance of NOC• Tracking of routing of receivables through Escrow account• Periodic collection and review of sales MIS• Maintenance of adequate security cover in the project• Site visit at periodic interval to monitor progress in the stage of construction• Periodic update to Credit Committee of construction finance portfolio Gold Loan (GL)• Tracking of margin breach for Gold loan customers vis-à-vis movement in gold prices• Stress testing of Gold loan portfolio at regular intervalsPolicy• Responsible for framing product and policy for LAP & CF• Responsible for preparation of loan documentation for LAPOthers • Monthly reporting of delinquency to Board of Directors• Presenting portfolio review on all the products to Board of Directors on quarterly basis

Education

• P.D. Lions College of Commerce and Economics

  Bachelor's Degree, Bachelor of Commerce

  1989 — 1994

• The Institute of Chartered Accountants of India

  Chartered Accountant

  1994 — 1999