RAGHAVENDRAN RANGARAO
Shanthi Nivas Flats, Flat no 25, 2nd floor, Old No 139 , New No 112 , Venkatrangam pillai street
,Triplicane, Chennai – 600005. INDIA-
Mobile : -
www.linkedin.com/in/raghavendran-mortgage-underwriting-credit-risk
Career profile
A competent professional with over 14 years of experience in credit and mortgage underwriting
, would like to climb ladder in banking domain , a quick learner which gives self motivation to go
on and on.
Skill summary
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Deft in credit appraisal and mortgage underwriting.
Able person in taking calculative risks.
Can read and assess all credit documents at ease with no hiccups.
Good interpersonal and communication skills to deal with the team and clients as well.
Publish reports and MIS on time and to deliver the same within the TAT.
Outcome of competency
✓ Regular trainings and ad hoc policy brush up to my credit team made to increase the audit
score of my branches from 5,6 to 9 out of 10.
✓ Meticulous underwriting and identifying process gaps and adherence to policy had brought
back the early defaulters from 112 to 28 per month.
✓ Cordial relationship with collection team and regular visits combined with other strategies
had contributed in a great manner which resulted in reducing the NPA from 6.23% to 1.78%
✓ Judgmental calls based on the profile , geography and property made funding quantum to
be right for the deserving customers
HDB Financial Services Ltd - HUB QC Manager – Quality Control - August 2020 till date
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To review all credit docs prior to the approval to avoid wrong funding and to highlight the
same to the superiors to ensure proper adherence of policy and process related to
mortgage loans.
Hind sighting enhances the performance of the credit team and to correct the errors.
Acute observation of the facts before disbursal reduces the defaulters in the early stage.
Particularly all the audit observations reduced the cost to the company in a great way.
HDB Financial Services Ltd – Area Credit Manager - December 2016 till August 2020
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Handling a portfolio of 85 Crores with a mix of several products in both mortgage and
personal lines like Mortgage loan, business loans , auto loan and personal loans.
Exercised approval authority of 7.5 Million in secured and 0.5 Million in unsecured loans
with prudence.
To go in tandem with business team to achieve agreed numbers within the given time lines
like month end, quarter end and year end without any breach on the prescribed policy and
process.
Judgmental call to be exercised based on the profile, geography, cash flow and property
offered to us.
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Handling a team of Credit managers by providing inputs on real time basis – policy updation
and market news which will be helpful in underwriting to the team.
RBL Bank Ltd Credit Manager – May 2013 – December 2016
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Credit underwriting done for both unsecured and mortgage loans like Business Loans,
Loan against Property and Personal loans.
Ready to take calculated risk with good mitigates that will prove the credit call taken is a
worthwhile decision.
Appraising the Loans by perusing the Credit parameters, Policy and Process with utmost care
Strict adherence with due diligence imparted in delivering the assignments within TAT
CREDILA – Subsidiary of HDFC ltd. – Assistant Manager – Credit – March 2011 – May 2013
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Underwriting files of education loan which makes me to get a fair knowledge on both
secured and unsecured segments.
Judicious and judgemental calls to be taken which will help me to learn the nuances of
lending system.
Handling a team of 10 members who are into credit processing of applications till approval.
Manage the vendors like valuators for the collateral and understanding the technicalities
which will help us to take a correct decision and to appraise the eligible loan amount.
Credit Documentation Specialist - TCS – E Serve Pvt Ltd - Dec 2010 – Mar 2011
• Managing International Account Maintenance part for our Client - platinum customers
• Proper documentation for various types of updates such as Constitutive documents update,
signature card updates, Manual fund transfer updates globally
HSBC BANK – Credit Officer - Oct 2006 – Mar 2010
• Effective processing of loan applications, credit policy compliance, disbursement & related
activities.
• Handling audit (quality check) for disbursed files for the entire Bangalore location whereas
audit had some 30% weight age for incentives.
EDUCATION - MBA – University of Madras – 2005
Trainings - Certified in the following areas
✓ Fraud Awareness and Detection
✓ Customer Interviewing Skills
✓ Service that Delights
Awards and Honours
✓ HERO Award – HSBC BANK – For stupendous performance in credit underwriting.
✓ Play the Lead Award – HSBC BANK – For handling the audit piece in collection department
✓ Limited Edition Cup has been awarded for the Best Presentation in the National Meet –
CREDILA
References can be provided on request.
