Open to opportunities

Jagadananda Sahu

@jagadanandasahu

I lead credit, compliance, recovery, and branch operations in banking. Now I am open to US QM, NonQM & Consumer Loan Underwriting Support.

India

Message

What I'm looking for

I'm looking for a remote or hybrid opportunity in mortgage operations, loan processing, credit underwriting support, banking operations, compliance, or financial services where I can apply my credit, risk, documentation, and branch leadership experience.

I've led branch operations at Indian Bank, supervising staff across multiple branches in West Bengal while managing credit appraisal and loan processing for retail, MSME, and agriculture lending.

I grew the Ranihati Branch portfolio from Rs. 44 Cr to Rs. 77 Cr through deposit mobilization and credit growth and grew Ghatal Branch from Rs. 56 Cr to Rs. 72 Cr with balanced asset and liability mobilization. During COVID, I maintained Dhamsia Branch's Rs. 115–125 Cr portfolio while ensuring operational continuity and compliance.

Across 11+ years in public-sector banking, I've evaluated borrower financials, income documents, risk profiles, loan eligibility and documentation. I've also supported general banking, KYC verification, AML compliance, customer service, risk monitoring and branch administration & management.

I have vast experience in evaluating Borrower Capacity, Capital, Collateral & Character evaluating. I can calculate DSCR, ICR, EMI, etc whatever required for a Credit Processing

I'm seeking a remote or hybrid role in mortgage operations, loan processing, credit underwriting support, banking operations, compliance or financial services.

Experience

Work history, roles, and key accomplishments

Manager (Scale II)

Indian Bank

Aug 2017 - Feb 2026 (8 years 6 months)

Led branch operations and supervised staff across multiple branches in West Bengal, India. Handled every type of credit appraisal and loan processing for retail, MSME, gold loan and agriculture loans.

Loan Processing Risk Assessment Compliance Documentation Branch Operations Loan Servicing Loan Originators Deposit Management Branch Operations And Management Loan Repayment Planning Loan Underwriting

Manager, Credit & Branch Operations

Indian Bank

Aug 2017 - Feb 2026 (8 years 6 months)

Appraised and underwrote retail, MSME, and agricultural credit files, evaluating borrower income, financial statements, and risk profiles. Reviewed loan documentation against internal credit policy and regulatory standards, and performed KYC/AML compliance checks.

Loan Underwriting Income Verification DTI Analysis KYC AML Regulatory Compliance Documentation Review TCS Bancs 24 Risk Assessment

Probationary Officer

indian bank

Jun 2014 - Aug 2017 (3 years 2 months)

Managed general banking operations including deposits, customer accounts, and documentation. Assisted in loan processing, credit verification, unit visit and borrower document validation.

Banking Operations Loan Processing KYC Compliance Customer Service Documentation Loan Application Evaluation Branch Operations

Probationary Officer

Allahabad Bank

Jun 2014 - Aug 2017 (3 years 2 months)

Assisted in loan processing, credit verification, and borrower document validation across retail lending products. Performed KYC verification and compliance checks, and supported branch administration.

Loan Processing Credit Checks KYC Compliance Customer Service