Branch Credit Manager
A skilled and experienced credit officer with a keen eye for detail. Experienced professional in banking & finance industry, with a proven track record in financial analysis and loan applications. Tactful and pleasant in all client conversations and happy to provide help. Practiced in verifying client credit data and navigating the loan process. Adept at assessing client needs in a timely manner. My greatest strength is to combine my analytical skills with my interpersonal skills. I want to be a part of an organization that provides an atmosphere of mutual growth and benefits, where I can show my talent and potential. WORK EXPERIENCE
08/2018 – Present
Branch Credit Manager
Fullerton India Credit
Evaluate & approve proposals for PL & BL up-to 25 Lacs . Personal discussion with customers, understand the business and regularly monitor delinquencies.
Credit Appraisal of Loan applications within defined guidelines decision making within defined TAT.
Under writing cases with desired level of quality and enabling achievement of Branch Business target.
Use performance history along with liquidity, debt/asset management and profitability ratios to assess
creditworthiness in evaluation.
Managing a team of CPA's.
05/2017 – 08/2018
Approving cases up-to 10 Lacs of Home Loan & LAP on basis of Personal Discussion and Financial statements. Sound knowledge of financial statements like Balance sheet, Profit & loss statement, Computation, Cash-flow etc.
Verification of loan documents, property documents as per legal opinion, valuation report, compliance of approved terms, KYC’s and conditions.
Ensure compliance, operational risk controls in
accordance with Bandhan or regulatory standards and policies.
Disbursement of Business Banking Products like Loan against Property and Home Loans.
Maintenance of MIS and reporting from time to time and coordination with CPU's.
06/2015 – 05/2017
Jaipuria Institute of Management, Jaipur
06/2012 – 02/2015
St. Xavier's College, Jaipur
Credit Analysis Decision Making Team Handling
Organizational Skills Interpersonal Skills
Ratio Analysis Accuracy & attention to details
Financial analysis and interpretation
CONFERENCES & COURSES
Micro Finance in Transition @ IIT-Madras (2016)
Micro Finance in Transition and providing Financial Services for Poor
Office Automation (2017)
Tally GST (2017)
HONORS & AWARDS
Internship Analysis (2017)
3rd position at summer internship analysis.
Internship Pitch (2016)
1st position at summer internship presentation.
Pre- budget expectation (2015)
1st position at pre-budget expectation
Music TV Series Cricket & basketball