Nelson Dhaya e
Area Credit Manager- Micro and Prime LAP- IIFL Finance
- Role
- Area Credit Manager at Iifl Finance
- Location
- Chennai, TN, IN
- LinkedIn followers
- 500 followers
Experience
Area Credit Manager
Dec 2024 — Present · Chennai, IN
Underwriting of Enterprise/Business Loan’s (Unsecured and Secured) and Affordable. Housing loan for Salaried and Self Employee. Analyzing customer\'s Bank Account to understand the Banking transactions and tto check any Cheque bounce happened. Uploading Necessary information to Financial Analysis tool (FAT) to get Financials using IT Returns. Evaluating financial statements, cash flows, capital structure.Doing collateral analysis to understand the strength of the security given by customer.Review, examine and underwrite loans to ensure soundness, business value and compliance with company standards. Determine and document loan conditions and communicate requirements and/or decisions. Ordering, reviewing and analyzing reports (credit, environmental, appraisal, and property evaluations). Initiative for MODT (Memorandum of Deposit/ Title Deed) if Necessary.Doing Personal discussion (PD) at Customer place to Understanding customer creditworthiness. Recommending cases through CAM (Credit Appraisal Mechanism).Reviewing and approving cases on the basis on credit policies.Team Handling.Conducting Huddle meeting along with sales and collection
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