Credit Officer Customer Service

CURRICULUM VITAE

AMSAVALLI JAIRAJ Mobile No:830-***-****

Email id :***********@**********.*** LinkedIn :amsavalli-jairaj-06041990 Objectives

9+ years of experience as a Credit Officer seeking to achieve high career growth through a continuous performance, learning and keeping myself dynamic, visionary and competitive with changing scenario of the corporate world. To Work with an organization, this will lead my professional growth, utilizing my technical interpersonal skills and in turn be a contributing factor in the growth of the organization. Summary

Results driven professional with extensive experience in Credit Analysis and Risk Assessment. Proven track record of providing excellent customer service. Skilled in the areas of credit control and providing credit advice. Strengths included solid communication skills and attention to detail and quality. Skills

Financial & Quantitative Analysis, Documentation, Loan Recommendations, Loan Underwriting & Risk Management.

Proficient In Microsoft Office (Access, Excel, PowerPoint, Word, Outlook).

Ability to work in fast paced and multinational environment.

Clear and Concise Communication Skills & Attention to detail.

Strong organizational skills and ability to prioritize work as required.

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Core Competencies

Diligent and Detail Oriented thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from pre approval to closing.

Providing credit analysis/underwriting for retail commercial accounts and ensure it is conducted efficiently and timely within existing policies for credit factoring.

Provide support to Credit Manager by ensuring the timely, judicious and accurate processing of Credit Appraisals.

Preparing MIS Reports to provide feedback to top management on business operations. Organizational Experience

I) Accenture Solutions Pvt. Ltd. (February 2021 till date) – Banking Advisory Analyst Duties & Responsibilities

Commercial Multifamily Real Estate Underwriting. (US Based Client).

Responsible for underwriting commercial loans and preparing presentations.

Conducting research on borrowers and industries.

Order and perform the preliminary review of all third party reports (appraisal, inspection and environmental) for compliance with guidelines.

Perform the analysis, evaluation, and underwriting of proposed credit facilities for customers and prospects. Evaluate financial analysis and past performance of the credit customers based on key credit parameters and ability to highlight key credit risks.

Assesses credit opportunities, identifies key risks, and structures alternatives working with relationship managers and credit officers.

Responsible for measuring covenants put in place within loan agreements, with a clear understanding of the effect and purpose of those loan covenants, and communicates the compliance of the borrowers to the relationship manager and chief credit officer as needed.

Utilize provided software to score credit applications & perform Risk Rating based on the financial analysis.

Complete annual reviews, modifications, extensions, renewals, and new loan requests for customers with minimal required changes from the credit approvers.

Interact with relationship managers in developing credit requests to be presented to loan committee for final approval.

Mentor & Review the work of the junior associates & Assist in training new team members.

Participate in all required training for compliance. II) Punjab Maharashtra Co-op Bank Ltd (December 2012 to January 2021) - Credit Officer Duties & Responsibilities

Meeting with clients interested in taking out a loan and providing them with the necessary information to start the loan application process.

Collecting the needed financial documentation and assessing the clients' creditworthiness.

Review and verify borrower’s income, credit reports, employment histories, business verification in case of self-employed, property appraisals and title insurance information to prepare loan applications for underwriting.

Conducting personal discussions (PD) with borrowers & guarantors, Inspections & Background Verifications.

Accountable for appraising loan proposals by detailed financial & non financial analysis of proposals.

Calculating and analyzing the risk ratios of clients based on their credit score and financial history.

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

Maintaining records of loan applications by using loan management software. Execution of loan documents, Recover the upfront loan charges & Final Disbursement.

Handling customer complaints and take appropriate action to resolve them.

Handling the Internal and external audits on timely basis.

Post Disbursement Activities & Inspections.

Follow Up & Monitoring of disbursed Loans for the accounts to be regular in payments.

Recovery of the default loans at branch level to reduce the NPA Accounts.

Providing MIS Data on Weekly & Basis to the Credit Manager. III) Pashankar Auto Wheels Pvt Ltd (October 2010 to December 2012) - Accounts Executive Duties & Responsibilities

Purchase & Sales Invoice Updating.

Bank reconciliation & Inter Branch Reconciliation.

Cash Book & Vendor Payments.

Basic Vat & Service Tax Data Preparation.

Processing Salary & Incentive.

MIS Reporting.

Education Details :

Degree Board/University Name of the

School/College

Year of Passing Percentage

MBA (Finance) Yashwantrao

Chavan

Maharashtra Open

University

Brihan Maharashtra

College of

Commerce

2022 73.08%

B.COM(Banking

Finance)

Pune University Brihan Maharashtra

College of

Commerce

2010 71.12%

HSC Maharashtra State

Board

Brihan Maharashtra

College of

Commerce

2007 66.66%

SSC Maharashtra State

Board

NCL English

Medium School

2005 69.67%

Specialized Qualifications :

2010: Certified Industrial Accountant Course (Institute of Computer Accountants) 2013: Diploma in Banking & Finance (Indian Institute of Banking & Finance) 2017: JAIIB Certification (Indian Institute of Banking & Finance) Computer Exposure :

MS Office, Banking Software (Omni & Finacle)

Personal Details :

Date of Birth : 6th April, 1990

Nationality : Indian

Address : F -13 NCL Colony, Pashan Road

Behind State Bank of India, Pune- 411008

Languages known : English, Hindi, Marathi, Tamil

Marital Status : Married

Declaration:

I hereby declare that all the above furnished Information is correct and true to the best of my knowledge and belief.

Amsavalli Jairaj

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