Customer Service Sales

Summary

Skills

Experience

Education and Training

SANGEETHA A

chennai, TN 600100 C: 996-***-**** ******.****.**@*****.*** Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Dedicated Credit Analyst with a background in reviewing credit bureau reports and communicating with commercial clients. Knowledgeable in credit approvals and limits. Excellent listening and customer service skills.

Strong written and oral

communication skills

Problem solving

Commercial and consumer clients

Customer feedback reports.

Loan documentation

Banking regulations

Underwriting

Judgmental lending

Credit Analyst Jul 2017 to Jan 2020

HDFC SALES PRIVATE LIMITED Chennai, Tamil Nadu

Performing credit appraisal for salaried, non-salaried and self employed recommending for approval.

Analyzing tax returns, income and expenses for future asset, checks all applications from KYC logins, income calculation, bureau history checks, deviation, mitigation and verification reports.

Reviewed customer financial data to ascertain level of risk involved for extending credit.

Assessed customer credit files regularly to review receivables. Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.

Collected and organized all loan documents for underwriting. Requested financial documents from customers.

Presented key information to upper management and the executive team for loan recommendations.

Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.

Conducted credit reviews on corporations to assess financial conditions. Improved profit margins by streamlining operations and workflow and negotiating competitive vendor contracts.

Utilized MIS (Management information system) to compile data gathered from various sources.

Earned reputation for good attendance and hard work. Provided excellent service and attention to customers when face-to-face or through phone conversations.

Performed site evaluations, customer surveys and team audits. Improved customer satisfaction by finding creative solutions to problems. Recognized by management for providing exceptional customer service. Monitored and maintained compliance with internal controls and government regulations.

Bachelor of Arts, B.com (General)

Websites, Portfolios, Profiles

Certifications

Additional Information

University of Madras Chennai, TN

Graduated in Top 69% of Class

MBA, Finance

Anna University Chennai, TN

Graduated in Top 72% of Class

High School Diploma May 2010

Little Oxford Matriculation Higher Secondary Schl Chennai Ranked in Top 55% of class

High School Diploma May 2012

Little Oxford Matriculation Higher Secondary Chennai Ranked in Top 60% of class

Father's name - S. Anbalagan

Date of birth - 03-08-1993

Languages - English & Tamil

Certified for best credit officer.

Scholastics:

Typewriting - English –Lower (1st Class)

Tally Erp9

Good Knowledge on MS-Office Applications: (Word,Excel,Powerpoint) Excel: VLookup, Pivot, familiar with excel shortcuts. Knowledge on Web Browsing, Emailing(Outlook)

Hobbies:

Interested in Management Games, Shuttle, dance

Contact this candidate