Bhagyadhar Swain

Manager-credit Manager- Mhl & Lap @Jana Small Finance Bank

Angul, IN

Looking after Credit Underwriting and Credit Analysis of both MHL and LAP#Conducting PD by visiting customer\'s Business point, Residence and property discussing case details with customer understanding actual Requirement.#Assessing the case basis on cash flow of the Business.#Study and analysis of financial statements like profit & loss Account, Balance Sheet, Computation of income and cash flow statement #Making decesion based on Various Financial parameters and cash flow #Underwriting the case as per various guidelines prescribed by Bank #Preparing CAM and other documents #Recommending the case to higher authority for decesioning based on merits of the case within TAT #Coordinating with Internal Team (FCU,OPs)and external vendor (Legal & Technical) for timely completion and smoothening the process.#Maintain records of loan application and ensure all lending procedures comply with regulations.#Managed all reporting, documentation and record keeping requirements for department.

MBA @ Ajay Binay Institute of Technology, (ABIT), Cuttack

Master of Business Administration - MBA

Salipur College,Salippur,Cuttack

Bachelor of Science - BS

Panchayat high school

Matriculation

Salipur College,Salippur,Cuttack

+2 Science