Punam Arvind Murkute

Ph No:8329730474
E-Mail:-Punammurkute24@gmail.com

CAREER OBJECTIVE:

To be a strategist and one among the key decision makers of the organisation in the Banking
Sector and their by contribute to the organization to optimize its resources and revenues.

JOB PROFILE:

1- Working as a Credit Manager in Home loan department at AU Small Finance bank

limited from 9th March 2023 to till Date.

⚫ Working as a credit manager in home loan department ( Home loan, LAP, Construction, P+C,
BT Top up, Resale Purchase, Repair)
⚫ Conducting personal discussion at customer residence and business and office place.
⚫ Recommended cases in Rapid for 20 lakhs.
⚫ Checking the loan application as per Credit Policy and Cibil.
⚫ End Use Verification for LAP cases 3 moths wise.

2-Working as a Concurrent Auditor in Home loan department at Bandhan bank limited

from 1st Sept 2020 to 3rd Oct 2022.

• On T+1 day, the list of loan sanction on the previous day the end to end process like appraisal,
documentation and disbursement process as per laid down process/policy.

• Checking of loan that have been logged but not sanction, where proper TAT is
maintained between loan logged and loan sanctioned, in case of rejection of loan, the reason of
loan rejection check whether the same file logged. in multiple times in case of rejection.
• Checking whether there is any revenue leakage.
• Fill up of audit checklist and sending the same to the supervisors on weekly basis
• Preparation of audit report and submitting the same to supervisors on periodic basis.

3 -Working as Credit Executive in Origo finance private limited (Business Loan) from
13th Jan 2020 to till date 26th August 2020.
• Documentation checking as per KYC
• Analysing CIBILS, Bank statements
• Conducting telephonic for personal discussion
• Checking Property documents, Sale deeds, Valuation, Legal Reports of property •
Preparing various reports(PD,LTV, Assets, Deviations, LOS)

4. I–Process Services (Home Loans) Hyderabad from 6th Dec 2017 to 3rd Jan
2020 Designation - CPA (Credit Processing Associate)
• Working as a Credit Process Associate (CPA) of Home Loan and Loan against
property.
• Checking loan application as per policy guidelines and reviewing credit reports in
 CIBIL.
• Preparing CAM (Credit Appraisal memo) for HL, LAP, NRP cases. •
File checking for required KYC and financial documents as per policy. •
Reviewing CIBIL reports of applicant.
• Conducting telephonic personal discussion with the applicant and ensuring that
information provided on application form is reconciled with the applicant. • Daily
updation of status in APS for cases decisioned.
• Cross verification of profiles or information given by the applicant.
• Analysing the Documents for Processing and checking the customer performance in I
Decision and I-Disburse.
• Maintaining and updating daily MIS (Master Information System)
• VLOOKUP, HLOOKUP, (SUM, AVG,COUNT,MIN,MAX formula),Pivot Table •
Preparing Sanction letter for HL and LAP.
• Completing detail data entry with proper remarks and note pad.

5_Waheguru Transport- Designation - Back Office Employee from 16-06-2013 to 28-02-

2015
• Preparing final voucher.
• Calculating quarterly TDS.
• Preparing bills on weekly twice for Ambuja Cement Ltd.
EDUCATIONAL QUALIFICATIONS:

• M.Com from Nagpur University in 2013 with second division.

• Post Graduation diploma in Taxation Law in 2014 from Gondwana University with 1st
division.

TECHNICAL COMPETENCY:

• MS Office
• Computerised Financial Accounting - TALLY 9.0 with grade A+
• English Typewriting speed W.P.M 30

Strengths: Honest and Sincere.

Personal Information:

Date of Birth : 24-08-1990

Languages Known: Marathi, English and Hindi
Marital Status : Married