Manu Jaimini

Experience

• 

  Jind Sugar Mill

  Jan 2011 - May 2011

  Trainee As Auditor

  Learnt evolution of process and account handling of different clients, rectification in accounts and process and machine management, Hand to Hand support with leadership and team work. Learnt the concepts of Audit and reason of conduction, Valuables of Audit and port folio reading of firm.

• 

  NIIT Limited

  Sept 2011 - Dec 2011

  Trainee Associate

  Accountant of NIIT Kurukshetra

• 

  ICICI Bank

  Jan 2012 - Feb 2015

  Branch Credit Manager

  Credit Analysis of Home loans, LAP, PL, Term Loan and Credit analysis of Customer, mortgage valuation, Credit Analysis for lending , and also handling Branch compliance .• Worked with In ICICI Bank, Ambala as - Credit -Mortgage Loan-LAP and Home Loan. Awarded with Certification of Achievement - Best Credit Team North Zone for 2013-14.• Approving / rejecting loan application by analyzing the borrower’s credibility and Credit appraisal of HNI cases for HL and LAP• Ensuring customer re-payment capacity by checking Interest coverage ratio for sole proprietor & partnership firms and Debt equity ratio for Pvt. Ltd Companies.Handy understanding Of Legal openion for Equitable Mortgage and Registered mortgage, Complete knowledge and Understanding for Technicality of Property.Loan Sanction Authority : Rs. 20 lacs. HL. LAP and NRPL Show less

• 

  HDB Financial Services Ltd.

  Dec 2014 - Dec 2019

  Area Credit Manager

  Analysis of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan.• Analysis of loan applicant's financial statement and risk assessment• Managing complete credit operations with key focus on bottom line profitability by ensuring optimal utilization of available resources. • Handling technical (Property Valuation) and legal aspects of lending, Implementing cost saving techniques• Client Relationship Management-Managing customer centric operations & ensuring customer satisfaction by achieving delivery & service quality norms.• Responsible for staffing, training, mentoring credit resources in the region-CPA,.• Monitoring branch performance and training the Sales Team to TPP revenue generation.• Achieving the credit assessment targets within the specified Turn Around Time (TAT).• Monitoring Front End bounces and deliquency to keep Helathy portfolio. Show less

• 

  Aviom India Housing Finance Private Limited

  Dec 2019 - May 2020

  Regional Credit Manager

  • Supervising approval of loan proposals & sanctioning credits after appraising solvency status & verifying documents as well as post sanction follow-up and disbursal of loan.• Analysis of loan applicant's financial statement and risk assessment• Managing complete credit operations with key focus on bottom line profitability by ensuring optimal utilization of available resources. • Handling technical (Property Valuation) and legal aspects of lending, Implementing cost saving techniques• Client Relationship Management-Managing customer centric operations & ensuring customer satisfaction by achieving delivery & service quality norms.• Responsible for staffing, training, mentoring credit resources in the region.• Monitoring branch performance and training the Sales Team to TPP revenue generation.• Achieving the credit assessment targets within the specified Turn Around Time (TAT).• Monitoring Front End bounces and deliquency to keep Helathy portfolio. Show less

• 

  Canfin Homes Ltd

  Jun 2020 - now

  Middle Management