Baldev Singh

Evaluate loan applications through financial analysis, credit scoring models, and risk assessment frameworks. - Adhere to internal credit policies and regulatory guidelines while sanctioning loans. Conduct detailed credit analysis of borrowers, including income assessment, repayment capacity, and financial history. Monitor loan portfolio health by analyzing repayment trends, early warning signals, and delinquency rates. Maintain Portfolio at Risk (PAR) and Non-Performing Assets (NPA) within acceptable limits. Sanction loans within approval limits and recommend higher-value loan cases to senior management. Ensure timely loan approvals with thorough