Naresh Sharma

Experience

1. Senior Credit Manager

   Tata Capital

   Nov 2021 — Present · Kolkata, IN

   Responsible for sanctioning home loan and mortgage loan amount up to 50lakh.Responsible for appraisal and recommendation of home loan and mortgage loan amount up to 5 cr.Assessing the self-employed and salaried files with external checks for cross verifying the genuineness of case to avoid frauds.Personal discussion with the customer to know his personal and professional/business background of customer.Critical analysis whether deviation taken at the end of credit, legal, Technical and disbursement with adopting alternative ways to satisfy the requirement of policy of the company.Responsible for approved Legal & Technical with external report and captured deviation as per deviation matrix.Responsible for recommendation of Builder Project APF after evaluation of Project legal, Technical, builder profile, visit of property and personal discussion with builder/ landlord.Responsible for evaluating the amount of cheque to be realized to customer/builder.Maintaining MIS for PDD and collection/ action on due date of PDD.Evaluation of delinquency upto 18 MOB with customer meet.Responsible for maintaining healthy portfolio of location. Audit response, discussion, implementation and action plan of location.

Education

• University of Calcutta

  Bechelor of commerce ( Houns), Accounting

  2004 — 2007

• The Institute of Chartered Accountants of India

  CA (Final exa.Pursuing), Commerce

  2008 — 2012

Skills

• Mortgage Banking
• Statutory Audit
• Internal Audit
• Tax Advisory
• Tax Audits
• Forensic Analysis
• Bank Audit
• Process Auditing
• Individual Taxation