Narenddra Tharitte

Experience

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  Ragava auto finance

  Jun 2013 - Jan 2015

  Credit Operations Executive

  • Preparing the CAM for the individual cases for booking. • Collect Disbursal files to Credit team and check weather correct KYC & Quality Check it is positive only we process the loan • Maintaining the Weekly & monthly MIS. • File Disbursement and File Management. • Preparing the data entry for the individual & group lending cases for disbursement. • Maintaining the Daily Credit tracker • RC and Insurance PDD tracking. • Preparing payment for individual cases. • Co-ordinate With Branch sale team. Show less

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  ICICI Bank

  Feb 2015 - Aug 2016

  CPA

  • Maintain TAT of case logged to Processing. • Make a TVR before login and collected Borrow co-Borrow details. • Analysis previous credit summary thought CIBIL and CPSC report • Having better ability to found the fraudulent profiles & Documents & KYC • Validation of last six month Bank statements and Counting of Cheque bounces • Checking customer track record and credit references calculated DPDs. • Used Vehicle Calculated DGV and IDV. • Evaluating Financial Statements • Given Credit Eligibility for CV&CE Loans according to Credit Norms • Preparation of CAM (Credit Approval Memorandum) CAM Appraisal with mitigates and deviations to C heck the eligibility of Applicants. Forwarding CAM to Approval Authority. • Preparation of Disbursement Memorandum (DM) before Disburse the case. • Maintaining the daily and monthly MIS for the files declined and disbursed files. • Updating Post dated documents and PDD traking. • Handled 4 Branches at Nellore,Cuddapah,Ongole and Chittoor with Spokes Location. Along with DSA Direct Sales Agency • Co-ordination among Credit Dept, RCU, Sales Dept. Canvassers & Operations. Along with Higher Credit Approval Authorities. Show less

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  Bajaj Finserv

  Sept 2016 - Jul 2022

  Branch Credit Manager

  • Identify and assess credit and other risk areas. • Carry out detailed and independent credit evaluation for underwriting. • Client Visit to gather deal requirements , financial and other information necessary for underwriting and other inputs for performing quality analysis and thorough due diligence. • Ensuring proper Compliance of company policies, Legal & regulatory regulations in loan sanctioning, disbursements and post disbursement process. • Preparation and presentation of Loan Eligibility statements and key financial ratios to deduce Loan Eligibility. • Prepairing credit appraisal note. • Having credit approval authority of Rs 25 L for LAP & Rs 10 lacs for Unsecured loan. • Analysing and decisioning the cases within TAT of 3 days. • Looking after more than 100+ cases per month • Underwritting Retail size cases upto 4 Cr. Show less

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  Cholamandalam Investment and Finance Company Limited

  Jul 2022 - now

  Area Credit Operations Manager ( DM )

  CSEL Division