www.dhfl.com Dewan Housing Finance Corporation Ltd Delhi : Credit Appraisal

[krishni84]

dhfl.com

Officer / Assistant Manager - Credit Appraisal

Code: DHFLCA

Qualification – Graduate in any stream preferably Commerce Graduate.

Experience – 2 – 10 years in credit appraisal of housing finance / retail finance.

Preferred Age – Below 30 years.

Job profile –
• Evaluation of credit worthiness of borrower and the home loan eligibility.
• Scrutinizing the necessary documentations for home loan proposals.
• Processing Home Loan Applications for Disbursement.
• Maintaining daily MIS etc.

Location – Chennai, Hyderabad, Bengaluru, Delhi, NCR, Kolkata, Coimbatore.

About Us:
DHFL is a housing finance company that has taken the road less travelled. The journey began on the 11th of April 1984. On this day, Mr. Rajesh Kumar Wadhawan began his mission to correct what had troubled him for years, the sad truth that most Indians couldn't get a housing loan on fair terms. The Founder Chairman saw the owning of a home as a critical element to the building of identity and confidence of every Indian. DHFL was only the second housing finance company to be set up in the private sector in India. And its stated business objective was to provide access to housing finance to lower and middle income Indians. Most experts lauded Mr. Wadhawan's altruism but shook their heads at his apparent lack of business acumen. Especially as in the beginning DHFL disbursed funds from its own equity contribution and had a return on equity of less than 8% at a time when the interest rates were about 18%. But that is the difference between those who see things as they are and the visionaries who see things as they can be.

Contact Us:
Dewan Housing Finance Corporation Ltd
106, First floor, New Delhi House,
27, Barakhamba Road.,
C.P. New Delhi-110001
Tel: 011- 23752436 (Tele Fax)
Email : hrd@dhfl.com
http://www.dhfl.com/

[Guest]

HARPREET KAUR
Add :-Plot No.129A, Lane No.6,
Email Id :-harpreetk18 AT gmail.com
CARRIER OBJECTIVE :
Joining organization, I want to exploit my potential through enhancing my knowledge in making growth of the company.
.
SUMMER INTERSHIP

Worked as Management Trainee in BAJAJ ALLIANZ LIFE INSURANCE COMPANY LTD., Arihant Complex, Sigra, Varanasi, UP, from 12th of April to 12th of June 2010.
TOPIC :-TRAINING AND DEVELOPMENT PROCESS & TRAINING NEED ANALYSIS
RESPONSIBILITY : - To check how they give the training to their employees
MODE OF CHECKING : - Questionnaire
PROFESSIONAL QUALIFICATION :-
MBA in dual specialization with HR as major and Marketing as minor from SAMS Institute of Business Management, (2009-11) Bhelkhan, Babatpur, Varanasi, Uttar Pradesh
EDUCATIONAL CREDENTIAL :
- B.Com. from Purvanchal University, Varanasi, 2005-08
- 12th from C.B.S.E. Board, Varanasi, 2005
- 10th from C.B.S.E. Board, Varanasi, 2003
COMPUTER PROFICIENCY :
Basic knowledge of Computers (MS-Word, MS-Excel, Power Point, etc.)
HOBBIES :
- Traveling
- cooking food(specially my traditional food)
- listening songs
STRENGTHS :
- Ability of learning
- Perseverance nature
- Keen to learn
ACHIEVMENTS :
Secured 1st position in class in MBA 1st Semester
Secured 2nd position in 2nd Semester in MBA
Secured 2nd position in 3rd Semester in MBA
CO-CURRICULAR ACTIVITIES :-
Won the prize in group dance

[Guest]

A. CAROLINE FRANCHANA
carolinefranchana AT gmail.com
Objective :
Seeking a carrier in an organization, that provides me an excellent opportunity for my entrepreneurial and productive thinking. Intend to build a career with leading corporate of hi-tech environment with committed and dedicated people, which will help me to explore myself fully and realize my potential. Willing to work as a key player in challenging and creative environment
EDUCATIONAL QUALIFICATION :

Bachelor in degree (Computer Science)
Institution : CSI Ewart Women’s Christian Collage, Melrosapuram
Year of passing : April 2008
Currently perusing MBA (FINANCE) from Madras University
Software Profiency :
C
C++
JAVA
HTML
VB
SQL
Ms Office
Windows
TRAINING UNDERGONE

- Communication Skill.
- 5'S.
- National service Scheme
ERP software Used :
- CMMS R3 (Common Materials Management) At Ford India Ltd Chennai.
- QAD for Non production material spare at Ford India Ltd Chennai.
Experience : As Expeditor of supplier analyst
Duration : May 2008 to Feb 2009
At Ford India limited
On contract with Absolute Enterprises
S. P. Koil Post, Marai Malai Nagar
Responsibility :
- Being accountable for fill note & Back Orders
- Demand analysis of Spare parts
- Arriving schedule quantity
- Releasing schedule for suppliers
- Follow-up with supplier for parts within the stipulated timeline
- Taking care of logistics parts in coordination with TVS logistics
- Addressing payment related issue in ascendance with Ford Finance Team
- Coordination with the teams in ford related to the supply and logistic
- Shipping material to customer and dealer within the stipulated time
- Documentation
Experience : As Administrative officer / Assistant Accountant
Duration : Apr 2009 to Sep 2010
At Nobel Group of companies
Mylapore.
Responisibility :
- Demand analysis of stocks
- Follow-up with DSR’s for collection report and sales report
- Arriving schedule quantity
- Shipping stocks to customers & Dealers
- Being accountable for purchase report & Norms
- Maintains the attendance
- Releasing payment for all expenses
- Maintains Confidential records
- In the day-to-day running of the Accounts Office.
- To maintain records of invoices and creditors' Payments
- To keep records of all transactions
- Usually responsible for the preparation of accounts payable and petty cash
- Maintain financial data bases, computer software systems and manual filing systems.
- maintain filing and invoice monitoring systems and audit petty cash envelopes
- Other duties as assigned
Experience : Executive Customer Care -Marketing
Duration : October 2010 Onwards
At Bashyam group of companies (construction)
Responsibilities :
- Globally Renowned company in Real Estate & Infrastructure
- Data Bank. Of Various ongoing projects of various developers, preferred locations by various customers, sales targets and etc.
- Interacting with customers and follow-up
- Clear the customer quarries
- Maintaining the payment status
- Preparing the documents & Documentation
- Maintaining the database
- Inter departmental coordination
- Market to prospective clients through outgoing telephone calls and emails
- Educate buyers about our products to generate interest
- Engage in proactive and reactive communication to build revenue and loyalty from end-user.
Undergone project :
- On Medicinal Plants and hazardous after effects due to their destruction

[Guest]

NAVEEN DAVID
EMAIL :navsil_david AT yahoo.com, nanu.david AT gmail.com
OBJECTIVE : Seeking an Challenging Position to Utilize my skill & abilities in area of finance & business development , which offers a professional growth while being innovative and flexible.
Overview. Building consumer preference & drive volumes & developing new streams for revenue growth and maintain relationship with channel partners to interpersonal skill, strong analytical problem solving. Process a flexible & detail oriented attitude
Presently Working.
Designation SENIOR EXECUTIVE(CREDIT ADMIN)
Company Sriram Transport Finance Co. Ltd,(Shri ram Group of Companies) Posted in Janakpuri (Delhi) Branch
Duration 12 Feb 2010 to Till Date
Products Commercial Vehicle Finance, Tyre Finance, Credit Card, Personal Loan, Power Loan, Ect.
CTC 225,000 Per Nm +Incentive
Responsibility
Checking of Files ,Deduping Checking,
Customer Handling
Handling Insurance Renewal Data for monthly Basis
Handling Vehicle Insurance Claim
Files scanning in Omni software & exported to our head office
Handling PDD(Post Disbursement Documents of New Vehicle)
Handling Customer Settlement
Dealer Interaction with field officer
Reporting to Branch Manager
Designation CREDIT APPRAISAL OFFICER
Company Capital Trust Ltd (Non Banking Finance Co.) 47, Community Center New Friends Colony, New Delhi
Duration October 2003 to Dec 2009
Products Two Wheeler Finance, Personal Loan. Micro Finance
CTC 150000 Per Nm+ Incentive + mobiles.
Responsibility
Scrutinzing of loan/HP agreement& processing of dealer’s payments
Processing of dealer incentives & buy down letters
Processing of staff bills of conveyance and mobiles
Processing of recovery agents bills
Credit appraisal , hire purchase documentation
To control the customer’s Pdc’s in particular manner
Co-ordination with marketing executive & interaction with dealer’s
Regular discussion with sales personal regarding different cases
Preparation of daily reports for improving efficiency of system in record purpose.
Designation CREDIT EXECUTIVE
Company Magma Leasing Ltd (HISAR, HARYANA & PATIALA , PUNJAB)
Duration April 2002 to July2003
Products Two Wheeler Finance, Consumer Durable Goods, Personal Loans, Car Finance
CTC 1,20,000 Per Nm + Incentives +mobile
Responsibility
Preparation of Check List of Two Wheeler/Consumer Durable/Car Finance Disbursement
Reporting Of Appraisal Request to Head Office On Daily Basis.
Delivery Of Marketing Report to the Regional Office/ Head Office On Daily Basis
Review Branch Location, Performance on Daily basis, Weekly, Monthly Basis Credit Appraisal
Operational Working and Analysis i.e. Processing and approval of Two Wheeler & Consumer Loan including Credit Appraisal of the applicant as per companies guidelines.
EDUCATION YEAR’S DIVISION UNIVERSITY
10th March-90 2nd Bhiwani Board, Haryana
10+2 March-93 1St Bhiwani Board, Haryana
B.Com (Correspondence) April-96 2nd Kurukshetra University, Kurukshetra
Professional Qualification
Three Year full time diploma in INDUSTRIAL RELATION & PERSONNEL MANAGAMENT, from technical education board Chandigarh, during the year(1995-98) & secured 61% Marks(ist Division)
Computer Skill
Having Knowledge of M.S Office,M.S. Excell, Power Point, Operating System, Window-2000 & Internet Ect.