Loan Manager
Resume:
CURRICULAM VITAE
S.VETRIVEL. M.Com, PGDCA., Mobile; +91-909*******, Mail; adhhl1@r.postjobfree.com Career objective:
Looking for a challenging career opportunity with the scope for continuous learning and contribute my best possible efforts for the progress of the organization. Advance: Experience in banking sector (loans department) and non-banking financial sector. Key objectives of the activity:
Communication and Mail communication - Responsibility - Commitment - Banking / Financial loan procedure and regulatory - NDC (Non Discrepancy Check) checking - Loan documentation - Teams work contribute - TAT and audit score maintained 98% to 100% - STP/FTR (First Time Right) - Avoid FTNR -
(First Time Not Right) Preparing daily MIS preparation - Reports to manager at immediately - Reverting to valid query or invalid query - Team management - Relationship management - Coordinate with sales executive / Team leader / Fraud risk control / Credit / Manager.
Corporate total experience; Two years.
1) ICICI BANK LIMITED Roll by I-PROCESS SERVICES (INDIA) PRIVATE LIMITED - Car loan & Personal loan - exp period; 03/08/2018 to 31/10/2019. Position: Retail lending Operations Executive as a CPA Manager at Trichy. Product: Unsecured loan: Department wise
Two Wheeler loan
Auto loan; New car loan, Top up, Refinance, Sale purchase, BT-Top up. Personal loan; Fresh personal loan, Top up, BT-Top up. Capable: Trichy hub under five branches.
Role and responsibility:
Full and full back end NDC check list for post sanction activities of disbursement process of operation field.
Pre disbursement KYC checking, agreement book and RTO set book, verifications.
Verification of documents, asset details and loading the documents in system.
Handling the operations team.
Checking and releasing the payouts after checking the post disbursement documents.
Checking the NACH documents and cheques.
Handling the high volume in month end.
Handling retail asset operations and disbursement related activities.
Ensure that CAM approved status, FCPG/RCU screen status, either FI / business visit report.
Asking productivity from business team ready to calculation basis disbursement target achievement day to day.
As per company norms and policy based DM preparation for payment to customer / vehicle dealer. Payment transfer in through cheque / fund transfer / RTGS.
Ensure that true and correctly filled up the repayment cheque and NACH, MI, Agreement, RTO booklet, application, KYC, vehicle documents, bank statement, salary slip, income documents etc compare with system to hard copy in filed.
Handling daily walking customer request as like SOA statement, IT certificate, Foreclosure statement, NOC certificate issuance, Revised NACH, Mobile number and address change request, Loan Cancel, Refund.
2) HDB Financial Services private limited - Mortgage loan - exp; 27/01/2020 to 05/06/2020. Position: Mortgage Hub Operations Executive at Tanjore. Product: Secured loan; LAP & EBL (New, Top up, BT-Top up) Unsecured loan:
Auto loan; New car loan, Top up, Refinance, Sale purchase, BT-Top up. Personal loan; Fresh personal loan, Top up, BT-Top up. Capable: Tanjore hub under six branches.
Role and responsibility:
Handing HUB operations activity. Audit score 93% to 100%. Clearing the COPS error.
Ensure that under every branch ops DM done by as per updated NDC check list.
Responsible fund to the customer, post disbursement payment managing processes activities doing well for loan customers six branches under hub office.
Monitoring branch disbursed files and PDD doc dispatch to hub office.
Revise all of the application, KYC, FI, FCPG/RCU/RIC, collected processing fees, deducted application fees, CAM, deviation, approval letter, rate of interest waiver, insurance and waiver, sanction letter, tech report, legal and vetting report, property documents of deed, MOD, full set of agreement, DPN page, MI page, repayment details, policy and check list, payment details and declaration.
PDD/LOD ops acknowledgement, file and PDD dispatch to COPS and updated in mail and separate site.
SOA, Repayment, EMI debit process advice to daily walking customer service.
Raising query to credit team.
Property customer name, loan number, address and servey number, boundaries, deed document captured and registered sq.ft and as per site sq.ft, property site market value, property construction value, plan approve value, amenities value, property cost, loan value cost, number of unit, per sq.ft cost. As all of point matching with technical report.
Ensure the legal opinion of legal doc and vetting doc is same mentioned is correct and true to collectable.
The vetting report mentioned doc and collected doc of all original doc is same. As like ex; doc name, doc no, doc date, doc registered customer name, original and etc.
Ops acknowledgement for original doc dispatch to COPS.
CERSAI report.
Approval status.
Disbursement.
MOD.
Cheque handover to customer.
SOA, FC, NOC.
Original documents handover to customer.
Mail Communication.
3) Cholamandalam Investment and Finance Company Private Limited - Home Loan. Position: Branch Sr. Credit Processing Associate at Tanjore. Product: Secured loan; Home loan; (New construction, Sale purchase, BT) Capable: Tanjore branch.
Role and responsibility:
Handing branch Credit and operations activity.
Ensure that applicant and KYC, income and property documents, credit report as TVR verification, business profile proof with BCM, CAM forwarded and approved status, deviation, FCPG/RCU screen status, FI, PD status.
Customer service & operations servicing of loan customers on matters like IT certificate, loan account statements, issuance, NOC, EMI and interest revisions, prepayment an resolve other related queries.
Maintenance of customer file, updating of details on customers addresses and phone numbers.
Providing information of loan repayment to recovery hub with regard to fraud cases, investigating agencies like Police, EW etc.
Operational management maintenance of system back-up, scheduled servicing of computers, printers and other office equipment Management and tracking of day open, day closing status, running utilities and other system related support. Authorization of a/c open disbursement vouchers.
PDC/ECS management.
Receipt of all PDCs due from customers for new/ existing accounts.
Timely processing / system lodging of PDCs / ECS & ensure follow-up on PDCs/ ECS and issuance of exhaust letters (if any) to borrowers.
High energy professional.
Application, KYC, banking, property document, TVR report, Customer adherence letter.
PDD of legal, vetting, tech report, estimation, MOD, OPS acknowledgment.
Cheque received and handover to customer.
Dispatch files and PDD file.
Professional Skills:
o Communication and e-mail communication.
o Loan documentation and disbursement.
o Knowledge in Word and Excel (pivot, v lookup, h lookup, s um, if, etc) Academic Credentials:
o SSLC - Dalmia HSS 59% year 2011
o HSC - Dalmia HSS 77% year 2013
o BCom - Jamal Mohamed College 69% year 2016
o MCom - Jamal Mohamed College 66% year 2018
Course Certificates:
o DOAC - Diploma in office accounting course - 87% - MIT Group of Institutions. o PGDCA - Post graduate diploma in computer application - 70% - Bharathidasan University.
Merit and Project Certificates:
o Merit certificate UG various subject like accounts, business law / organisation. o 6 month PG project as A Study of Financial Performance of HDFC Bank Limited. Personal Details:
o Father and Address : Selvarasu, 2/29, Middle Street, Lalgudi, Melarasoor, Trichy, Tamilnadu, 621652.
o DOB and Marital status : (09/12/1995) Single.
o Language : English and Tamil.
Declaration:
I hereby that the above-mentioned details are correct and true to the best of my knowledge and believe.
Place : Yours Faithfully,
Date :
S.Vetrivel.
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