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Manager Loan

Jaipur, Rajasthan, India
June 16, 2019

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Albert Kunjumon

Branch Credit Manager


Jaipur, India

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

Jaipur, India

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

Relationship Manager

Bandhan Bank

Jaipur, India

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

PGDM, Finance

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


Micro Finance in Transition @ IIT-Madras (2016)

Micro Finance in Transition and providing Financial Services for Poor

Office Automation (2017)

Matrix Computer

Tally GST (2017)

Matrix Computer


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




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