Shivam Kumar Urmaliya

Credit Manager @AU SMALL FINANCE BANK

Narsinghpur, IN

Accountabilities:Handling of Sales team and Guide Proper Training Product and policy Knowledge of Secured and Unsecured loans.Handling branch continually 06 months without branch manager as a role in Credit Manager.Studying the various risks associated with the product and the various ways to mitigate them.Monitoring the delinquency and NPA to the budgeted levels of the product.Auditing files, Files Review on the basis of credit operation parameters.Interacting with the regional and branch collection manager to keep a proper check on the delinquency.Analysing, appraising, and approving the credit proposals based on companys policy and within TAT.Prepared credit approval documents for various loans as per policy.Coordinated with credit officer analyzing problem and finish work at the time period.Check and Process of All cases as per Risk Parameters (RIC) prior to disbursement.Preparing and maintaining reports on Approval Rate, Reject Analysis etc.Ensure good quality sourcing for maintaining a healthy portfolio to enhance companies. Profitability through completion of all proper as per policy.Every month post disbursed cases visit done as per bank Process.Credit Visit done of loan amount upto 50 lac and analysis customer back ground/financial condition, market reputation, business equipment.Researching the history of clients in order to understand their previous credit situationsNon-starter and NPA case visit in Every Month and analysis portfolio behaviour.

Devi Ahilya Vishwavidyalaya, Indore

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