RESUME

UTKARSH SMALL FINANCA BANK LIMITED Since – Nov 2019 to till date

(BRANCH CREDIT MANAGER)

Job Profile:

Appraisal & Credit Underwriting of Home Loan and Secured business loan (SME) proposals along with handling of other credit and compliance issues & taking corrective measures, being met with low TAT.

Maintaining Turnaround Time for evaluation & processing of deals.

oMaintain a department organizational / regulatory policies structure sufficient to meet all goals & objectives and ensuring on-going compliance

Personal discussion with customer to judge income eligibility and business stability and financial understanding.

oAssisting RCM in taking prudent credit decision on the basis of eligibility, PD comfort and other criteria mentioned in policy.

oOverall supervision of disbursal department for smooth process flow.

Responsible of monitoring of OTC / PDD closures on time with given TAT

oResponsible of maintaining healthy portfolio and ensuring delinquency at minimum level which is acceptable by the industry and within the company norms.

oConduct the Proper Training Session with CPA & Sales team.

oTo ensure the highest levels of service both to internal and external customers and with an objective of protecting the interests of the bank at all times.

oMaintain the PDD documents of every Loan Proposal.

oI have to verify the Cibil, Financial Statement, Banking etc. for evaluating the Loan Proposal.

oResolve the Customer issues and legal cases pertaining to sanction and disbursement process.

oEvaluate proposal of customer for LAP, Home Loan and Business loan.

oUnderwriting case with desired level of quality and enabling achievement of branch business with proper training.

oI have handling the entire branch business & collection Portfolio.

oI have listening to the customer’s needs and making the educated recommendation about the best course of action.

HDB FINANCIAL SERVICES LIMITED Since – July 2018 to Feb 2019

(BRANCH CREDIT MANAGER)

Job Profile:

Appraisal & Credit Underwriting of PL, Home Loan and Secured business loan (SME) proposals along with handling of other credit and compliance issues & taking corrective measures, being met with low TAT.

Maintaining Turnaround Time for evaluation & processing of deals.

Maintain a department organizational / regulatory policies structure sufficient to meet all goals & objectives and ensuring on-going compliance

Personal discussion with customer to judge income eligibility and business stability and financial understanding.

Assisting ACM & CCM in taking prudent credit decision on the basis of eligibility, PD comfort and other criteria mentioned in policy.

Overall supervision of disbursal department for smooth process flow.

Responsible of monitoring of OTC / PDD closures on time with given TAT

Responsible of maintaining healthy portfolio and ensuring delinquency at minimum level which is acceptable by the industry and within the company norms.

Conduct the Proper Training Session with CPA & Sales team.

To ensure the highest levels of service both to internal and external customers and with an objective of protecting the interests of the bank at all times.

Maintain the PDD documents of every Loan Proposal.

I have to verify the Cibil, Financial Statement, Banking etc. for evaluating the Loan Proposal.

Resolve the Customer issues and legal cases pertaining to sanction and disbursement process.

Evaluate proposal of customer for PL, LAP, Home Loan and Business loan.

Underwriting case with desired level of quality and enabling achievement of branch business with proper training.

I have handling the entire branch business & collection Portfolio.

I have listening to the customer’s needs and making the educated recommendation about the best course of action.

DCB BANK LIMITED

Credit Analyst (Assistant Manager) since Nov- 2015 to July 2018

Job Profile:

Credit Appraisal of Loan application within defined guidelines and accordingly take decision or recommend for loan approval to higher authorities.

Under writing case with desired level of quality and enabling achievement of branch business with proper training.

Evaluate proposal of customer for LAP Home Loan and Business loan.

Decision making within defined TAT.

Managing Team.

Coordination with sales, Operation, Legal Technical and customer.

Evaluate all income of Customer.

Checking all Income documents of customer Proper manner then recommended for approval.

Maintaining credit control and interpreting all customer business models.

Analyzing loan Process within TAT.

Evaluate Customer history from all resources and recommended loan approval.

Maintain the PDD documents of every Loan Proposal.

Handling the login to Disbursement Process with in TAT.

Verify the Cibil, Financial Statement, Banking etc.

Prepare the CAM of all Loan Application.

Copia Finman Private Limited (Financials & Outsourcing) MUMBAI

Relationship Manager since July – 2013 to Oct 2015

Job Profile:

Preparing complete documentation from customer and processing the file in to the bank.

Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.

Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.

Meet with applicants to obtain information for loan applications and to answer questions about the process.

Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.

Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

Handle customer complaints and take appropriate action to resolve them.

Stay abreast of new types of loans and other financial services and products to better meet customers' needs.

Review and update credit and loan files.

Confer with underwriters to aid in resolving mortgage application problems.

Market bank products to individuals and firms, promoting bank services that may meet customers' needs.

Ensures exceptional customer experience by overseeing loan process from origination to close and providing on-going communication to customers and business partners.

Providing full customer information related product.

Solving the customer quarry and providing accurate information for product.

Finding out what information, products or services the customer requires to meet his/her needs,

Producing file notes after any client meetings, summarizing any additional actions required, including

Follow-up calls Contributing to the development of new products and services, based on customer feedback

Sales activity planning, including reviewing existing customer files to identify sales opportunities.

Managing new business pitches.

Compliance with legal requirements, industry regulations, organizational policies and professional codes.

Veeraraghavan & Co. (Financials & Outsourcing) MUMBAI

Credit Processing Associate. Since December-2011

Worked with Citibank as a Credit Processing Associate on payroll of Veeraraghavan & Co.

Job Profile:

Analyze credit data and financial Statement to determine the degree of risk involved in extending credit or leading money.

Prepare reports that include the degree of risk involved in extending credit or lending money.

Evaluate customer records recommendation payments plans based on earning, savings data, and payments history and purchase activity.

Confirm credit association and other business representative to exchange credit information.

Complete loan application, including credit analysis summaries of loan request; submit to loan commitment for approval.

Generate financial ratio, using computer programs, to evaluate customer financials status.

Review individual or commercial customer files to identify and select delinquent accounts for collection.

Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

Consult with customers to resolve complaints and verify financial and credit transactions.

Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans.

Analysis bank statements of customers.

Personal Discussion with customers.

SWOT Analysis of Customers wealth.

Solve the customer’s quarries.

Check the eligibility criteria of loan amount approval.

Field Investigation to Citibank Customer’s.

Also handled the customer of Edelweiss financial services Pvt. Ltd.

Objective:

I am looking forward to an existing and challenging career with an organization that has providing good working environment and excellent opportunity for mutual growth and continuous update my technical skills.

Profile:

Energetic, ambitious and self-motivated Competent in working independently as well as in team.

Others: Basic Knowledge in Computer. (MS Excel, MS Office etc.)

Education:

Course

Institution

Division

YEAR

M.B.A

Modern Institute of Technology & Management Ghaziabad (Finance & Marketing) (Affiliated to G.B.T. U. Luck now)

1st

2011

Graduation

Allahabad University,Allahabad

2nd

2007

HSC

U. P.Board, Allahabad

2nd

2004

SSLC

U.P. Board, Allahabad

2nd

2002

Personal profile:

Name : Anand Mishra

Date of birth : 10/01/1986

Father’s name : Shiv Prasad Mishra

Sex : Male

Marital status : Married

Languages known : English, Hindi

Nationality : Indian

Permanent address : 145 B/12I/12 K Kailash puri chandpur Salori Teliyerganj, Govindpur Colony Allahabad, UP. Pin code-211004

Date:14…./10…./2020

Place: ALLAHABAD ANAND MISHRA

E-mail: adjs67@r.postjobfree.com

Mobile: 077********

NAME: - ANAND MISHRA

145B/12I/12K Kailashpuri, Chandpur Salori Road, Govindpur Allahabad

Pin Code-211004

Contact this candidate