Jagmohan Swain

Experience

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  Odisha State Agricultural Marketing Board

  May 2018 - Aug 2018

  Summer Intern
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  SB Enterprisers

  Aug 2019 - Oct 2021

  Accountant

  Control and Manage accounts of the Clients.

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  YES BANK

  Nov 2021 - Jun 2022

  CPA Processing Executive

  Key Roles :-• Verifying file logged in by sales counter parts and review of Non-Strater cases.• Preparing cash flow analysis and financial judging of the credit worthiness of the firm by preparing CAM.• Verify and checking the internal and external process need documents of the firm.• Conducting Personal Discussion with customers by calling the customer & make decision the file; post all the verifications are completed.• Maintaining delinquency of the portfolio.• Creation of a quality credit portfolio through adherence to policies and credit processes.• To ensure CAD is not breached.• Credit Appraisal/Underwriting of Home loan.• Assessment of Collateral appraisal including legal and technical aspects.• Maintaining TAT with good approval rate at the time of file processing and disbursement.• Checking and disbursement of cases on system; based on the Company policy and parameters.• Handling & Follow up the cases till disbursement of loan.• Final update in the system for OPS checking after disbursement of cases.• Training and quality monitoring of the team.• Maintaining daily MIS of Odisha location & Credit checks like as CIBIL, CRIF, Dedupe, FOIR matching, Amlock, Kaleidoscope, FI, Legal, Technical, etc.• Manage credit quality & Control delinquencies, frauds, etc. Show less

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  Bajaj Finserv

  Jun 2022 - now

  Credit Manager

  Key Roles :-• Credit Underwriting ,Risk appraisal of loans.• Check all projects before appraising loan.• To do appraisal and scoring as per underlined process.• Analyse of risk management, fraud detection and mitigate.• Physical PD, Video PD and Tele PD with customer to understand employment, business , Cash flows , financials , regular and routine expenses, existing loan obligations and it's details and purpose of loan, etc.• Availing self sanction authority.• Ensuring disbursement of file within TAT.• Compliance of audit findings within TAT.• Portfolio management and ensuring non delinquency. Show less