Punam G. Tandayya
Credit Analyst @Corporate Fincon Private Limited
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WORK HISTORY
Credit Analyst @Corporate Fincon Private Limited
Vadodara, IN
Calculated Client loan eligibility by analyzing financial statements, income, credit scores, and collateral Ensured compliance with bank norms, including maximum loan-to-value (LTV) ratios and regulatory standardfor real estate loans. Reviewed loan terms to ensure alignment with regulatory guidelines and internal policies. Developed detailed cash flow models in Excel for real estate acquisitions, dispositions, and financingactivity Evaluated projected income, expenses, and capital returns to support investment decisions and securefinancing Coordinated property valuations, title searches, and net worth statements to support loan applica Ensured timely and accurate submission of required documentation (property details, legal documentsfinancial statements) for loan processing Monitored and ensured strict adherence to contract terms, lending regulations, and internal complaintstandards. Managed stock audits, and renewals, and ensured proper documentation for ongoing loan agreement Assisted in preparing due diligence materials for new loans and refinancing cases, including finanstatements, appraisals, and risk assessments. Worked closely with underwriting teams to ensure proper evaluation and approval of loan applicants Conducted on-site visits for prime and collateral properties to assess property conditions and market fact Provided actionable insights on risk factors and opportunities to enhance client portfolio Collaborated with NBFCs and public sector banks to facilitate loan underwriting processes for real estatetransaction Ensured thorough documentation and compliance with both NBFC and bank-specific guidelines forapproval. Ensured the completeness, accuracy, and compliance of loan application files, supporting all stageinitial application to the final appl Oversaw documentation checks and coordinated with clients and teams to ensure timely submissionprocessing.
EDUCATION
Rashtrasant Tukadoji Maharaj Nagpur University
B.com, Commerce, General
Datta Meghe Institute of Management Studies
Master of Business Administration - MBA, Finance and HR
ABOUT PUNAM G. TANDAYYA
I am a detail-oriented and dedicated finance professional with 3+ years of experience in credit underwriting, loan appraisal, and financial analysis—particularly in the real estate and MSME sectors. My work spans across evaluating creditworthiness, preparing CMA data, ensuring regulatory compliance, and supporting investment decisions through precise financial modeling.Currently, I work as a Credit Analyst at Corporate Fincon Pvt. Ltd, where I manage loan eligibility assessments, cash flow modeling, due diligence, and end-to-end coordination for real estate transactions. I bring strong expertise in risk assessment, client relations, and financial documentation, having collaborated with NBFCs and public sector banks to facilitate compliant and efficient lending.With a dual specialization MBA in Finance and HR, and hands-on experience in tools like Tally ERP, Zoho, and MS Excel, I strive to contribute to financial growth and organizational efficiency through sound analysis and process rigor.
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