---
title: "Mahendra kumar - Credit Officer in Chennai | Tal"
description: "Meet Mahendra kumar, Senior Credit Analyst | Driving Smart Lending Decisions | Risk, Compliance & Financial Insights based in Chennai."
image: "https://tal.club/meet/mahendra-kumar-2/share-image"
---

# Mahendra kumar on Tal

## Headline

Senior Credit Analyst \| Driving Smart Lending Decisions \| Risk, Compliance & Financial Insights

## Location

Chennai

## Work experience

Credit Officer at Aptus Value Housing Finance India Limited

Senior Underwriter at Aptus Value Housing Finance India Limited, Jun 2023 \- Present · 3 yrs, Responsible for implementing the credit policies of the company\. Handling multiple products Home construction,Lap construction,SME,HL Improvement,HL Extension,Home Renovation\. Verification of Proposals / Applications to sanction the Loan for Business – Loans and Housing Loan\. Verify the KYC Proof submitted by the customer with original\. Analysing and verifying the financial status of the customers\. Implementation according to business requirements\. Checking the KYC with proper documents for both Applicant and Co Applicant\. Follow up the required Documents from Product Executives\. Involved in the documentation processing of the main loans and sent to KYC documents to the document cell\. Responsible for Underwriting credit Appraisal\. Verifying Technical Report,Legal Report, Business Verification, Employment verification and Residence,Etc\.\.\.\. Doing Loan Amount Downsize, Rejection as per Norms Checking There Approval for upto 25 Lacs\. Applied for As per Company Norms LTV ,LCR,DBR, IRR,Deviation and Conditions\. Cibil Checking \- Personal Loan, Property Loan, Agriculture Loan,Gold Loan and DPD Checking\. Pd for verify customer business , residency and property place\. Responding to all internal and external queries with in 24 hours and meet tat punchully\. Lap case recommend based on property valuation ,legal clearance and business activity\. Communicated with clients to identity that financial needs\.

Analysis Specialist at Aptus Value Housing Finance India Limited, Jun 2023 \- Present · 3 yrs, • Responsible for implementing the credit policies of the company\. • Handling multiple product home construction, Lap construction, SME, HL Improvement, HL Extension, Home Renovation • Verification of Proposals / Applications to sanction the Loan for Business – Loans and Housing Loan • Verify the KYC Proof submitted by the customer with original\. Analyzing and verifying the financial status of the customers\. Implementation according to business requirements\. • Checking the KYC with proper documents for both Applicant and Co Applicant\. • Follow up the required Documents from Product Executives\. • Involved in the documentation processing of the main loans and sent to KYC documents to the document cell • Responsible for Underwriting credit Appraisal • Verifying Technical Report, Legal Report, Business Verification, Employment verification and Residencies • Doing Loan Amount Downsize, Rejection as per Norms Checking Their Approval for up to 25 Lacs • Applied for as per Company Norms LTV, LCR, IRR, Deviation and Conditions\. • Cibil Checking \- Personal Loan, Property Loan, Agriculture Loan, Gold Loan and DPD Checking • Pd for verifying customer business, residency and property place • Responding to all internal and external queries within 24 hours • Lap case recommends based on property valuation, legal clearance and business activity • Communicated with clients to identify financial needs

Audit Executive at Suresh Surana & Associates LLP, Nov 2020 \- May 2023 · 2 yrs 7 mos, Performing KYC Audit as per RBI regulations for current accounts\. Reporting audit findings to Ex\-banker\. Ensuring corrective measures are taken on audit findings\. Assuring the compliance of branch operations with RBI regulations\. Performing analysis on audit findings\. Composing audit reports and preserving them\. Conducting audit on inward and outward cheques\.

Junior Auditor at N\.S\.Bhargava and Co\., Chartered Accountants, Jul 2018 \- Nov 2020 · 2 yrs 5 mos, Performing Audit as per pre\-designed SOP’s\. Following up on the corrective actions on audit findings\. Ensuring the compliance of branch operations with RBI regulations\. Performing Root cause analysis & Situational analysis on audit findings\. Reporting to IBC and Risk Council on the breach of regulations and its impact\. Prepare audit plan on periodic basis\. Maintaining IA trackers and defect trackers\. Conducting monthly reviews and Reporting to Stakeholders and Senior management on the performance of branches\. Preparing of reports on Audit findings, Reiterating branches and taking appropriate corrective action on the same\. Ensure discussions and decisions lead toward closure\.

Junior Auditor at N\.S\. Bhargava & Co\., Jul 2018 \- Nov 2020 · 2 yrs 5 mos, • Performing Audit as per pre\-designed SOP' s\. • Following up on the corrective actions on audit findings\. • Ensuring the compliance of branch operations with RBI regulations\. • Performing Root cause analysis & Situational analysis on audit findings\. • Prepare audit plan on periodic basis • Maintaining IA trackers and defect trackers\. • Conducting monthly reviews and Reporting to Stakeholders and Senior management on the performance of branches\.

## Education

Bachelor of Commerce, Sindhi College

Master of Business Administration, Finance and Financial Management Services, University of Madras

[View the original profile](https://tal.club/meet/mahendra-kumar-2)

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