Mritunjay Kumar

-Underwrite high-ticket mortgage loans across Bihar & Jharkhand.
- Analyze financial documents, evaluate risks, and assess creditworthiness.
- Review complex loan proposals and escalate to higher authorities as required.
- Collaborate with business, legal, valuation, and operations for timely loan disbursals.
- Conducted training sessions on updated credit processes.

Products handled: LAP, Overdraft, Supply Chain Finance, Government Schemes

-Appraised credit proposals, monitored portfolio performance, and mitigated risk.
- Coordinated with vendors for seamless operations and delivery.
- Ensured adherence to internal policies and regulatory norms.
- Conducted periodic reviews to monitor asset quality.
Products handled: Agri-Business Loans, Government Schemes, Microfinance

-Led branch operations, sales, and customer service for secured/unsecured loans.
- Oversaw cash flow, compliance, and operational efficiency.
- Worked with marketing teams to run customer acquisition campaigns.
- Managed staff performance and ensured daily targets were met.

Products handled: Microfinance, Business Loans, Liabilities

-Handled OD/CC, commodity finance, and LAP accounts.
- Built strong rural lending portfolios and expanded into new geographies.
- Led a 5-member team and conducted sales & credit training.
Products handled: Working Capital, Agri Business Loans, Commodity Finance

- Sourced crop and term loans for farmers and rural enterprises.
- Coordinated with credit teams for sanction and disbursement.
- Cross-sold liability products including CASA and FDs.
- Managed a small team to drive rural banking targets.
Products handled: Agri Business Loans, LAP

-Evaluated credit proposals and conducted on-site field verifications.
- Monitored loan portfolio risk and ensured compliance with regulatory norms.
- Worked on policy documentation and product structuring for Kisan Credit Card (KCC) and Tractor Loan.
- Conducted field surveys to assess feasibility and customer potential for setting up new branch locations.
- Assessed NPAs and PAR across rural branches and prepared analytical reports.
Products handled: Agriculture Loan, LAP, Tractor Loan, Kisan Credit Card