Shiv Kumar Yadav

Credit Manager @SMFG India Credit

Rohtak, IN

Credit Department Looking LAP & Home Loan* Handling a team of two CPA\'s and two branches.* Credit Appraisals & Sanctioning of Mortgage Loan, Home Loan & Loan Against Property (Lap)* Responsible to frequent visit to Branches and provide training to credit team & sales team about Credit processes, compliance, deviations, on field by taking them on PD & Preparation of CAM* Monitoring on Compliances as per Credit policy and appraising the loan proposals by analyzing Financial Statements, Banking & Cash Flows observed at the time of Personnel Discussion.* Reviewing portfolio quality on a regular basis, taking adequate measures to control the delinquency. Meeting delinquent customers & regular bouncing customers during branch visits. Conducting branch audit and ensuring all the processes are in line with the guidelines of the organization.* Taking care of credit Proposal assessment, recommendations, sanction reviews, post condition monitoring Team handling, training, and a monthly assessment of shared responsibility managing multiple products for secured products & Ensuring timely preparation and reporting of all the credit reports.* Managing the credit processing activities, ensuring systematic verification processes and coordinating with legal & technical vendors.* Managing The Whole Process From Login of a File Till Disbursement Among Credit And Sales With Team Members & Sales Coordinators.* Preparing The Cam & Income Sheet & Insurance Calculator & Maintaining The TAT* Management of Relationships With All The Vendors From Reports To Bill Processing.

Kendriya Vidyalaya

Senior Secondary School

Manipal Academy of Higher Education

PGDB

Rani Durgavati Vishwavidyalaya

Bachelor of Commerce - BCom

Shri Ram Institute of Technology

Master of Business Administration - MBA