Sandesha MS

Experience

• 

  Standard Chartered

  Aug 2018 - now

  • Performing complete and in-depth review of secured loan files, such as person loan, credit cards based on salary, based on credit turnover for self employed, based on fixed deposit, based AUM etc.• Evaluation and ensuring overall loan documents are accurate and complete. • Interpret and apply regulatory compliance policies and procedures while reviewing forms to ensure that internal controls and regulatory processes are carried out. • Assessing whether the applicant qualify for loan, based on the information furnished in the application form, income and obligations along with credit history.• Analysis of credit worthiness of the customers by downloading and evaluating the credit bureau report, bank statement, pay slips and dud cheque reports. • Decision making after in-depth review of credit bureau reports. Declining if there is any NPA, written off, lost accounts, delinquent accounts based on number of days of delay in payment.• Authentication of salary credits through the portal to confirm the employer from where the fund is receiving.• Verification of authorized signatory of the company through the share folder provided by the country.• Analysis of Debt Burden Ratio and fixing the limit after considering the income components and other obligations if any… • Determining potential risks to the bank through extensive research and documentation of new client.• Detection and prevention of fraud or forgery.• Approving or rejecting the loan applications as per the policy requirements. Skills- Loan document verification, credit assesment, credit bureau analysis, DBR calculation etc Show less

  • Senior Officer

    Mar 2022 - now

  • Officer

    Aug 2018 - Mar 2022