Kushagra Tyagi

Experience

• 

  Citi

  Mar 2022 - Jul 2023

  • Credit underwriting of mortgage proposals for both Home Loans and LAP.• Financial analysis, Ratio Analysis, Banking Analysis, and Risk Assessment.• Comprehensive knowledge of lending & underwriting guidelines, credit and incomeanalysis, risk assessment, loan-to-value ratios, debt-to-income ratios, loan closing,funding, documentation, and client service excellence.• Management and control of loan sanction and disbursement process with completeco-ordination of legal, technical, and financial operation.• Meeting with customers in their business premises and analyzing their businessactivities.• Responsible for managing vendor billing for the entire north location along with MIS/tracker updation for making Citibank Cost Effective• Managed concurrent Audit activity for North and brought down the error rate.• Recommending changes in credit policies – Ensured policies and procedures were in linewith the company risk mitigation policy.• Managing Vendor Audits for a month-on-month basis to check that everything is inorder per the guidelines given by Citibank to the vendors.• Responsible for doing client servicing for the entire north location post loansanctioning process, in order to meet NPS target for Citibank• Managing activity of Day to Day Booking Status of Files In shop and ensuring meetingTeam Targets within given TAT.• Training Third party employees about Income review of Salaried and Self employedApplications and training them about the full fledged Process adopted by CITI Bank. Show less

  • Assistant Manager Retail & Wholesale Credit

    Mar 2023 - Jul 2023

  • Credit Analyst

    Mar 2022 - Mar 2023
• 

  Shinhan Bank India

  Jul 2023 - now

  Credit Analyst

  • Credit underwriting of Secured and Unsecured proposals for Home Loans, LAP, Personal Loans and LRD (Lease Rental Discounting).• Financial analysis, Ratio Analysis, Banking Analysis, and Risk Assessment.• Comprehensive knowledge of lending & underwriting guidelines, credit and incomeanalysis, risk assessment, loan-to-value ratios, debt-to-income ratios, loan closing,funding, documentation, and client service excellence.• Management and control of loan sanction and disbursement process with completeco-ordination of legal, technical, and financial operation.• Meeting with customers in their business premises and analysing their businessactivities.• Responsible for managing vendor billing for the entire location along with MIS/tracker updatation for making organization Cost Effective• Recommending changes in credit policies – Ensured policies and procedures were in linewith the company risk mitigation policy.• Managing Vendor Audits for a month-on-month basis to check that everything is inorder per the guidelines to the vendors. Show less