About
Highly motivated Credit Officer with 2+ years of experience in financial services, specializing in end-to-end loan underwriting, credit appraisal, and risk mitigation. Proven ability to manage customer portfolios, ensure regulatory compliance, and streamline financial operations to drive efficient loan disbursements and enhance portfolio health.
Work
Vapi, Gujarat, India
→
Summary
As Credit Officer at Northern Arc Capital, I manage end-to-end loan processes, ensuring compliance and efficient disbursement while actively mitigating risk.
Highlights
Managed end-to-end underwriting processes for Home Loans (HL) and Loan Against Property (LAP), ensuring efficient loan application processing and disbursement.
Conducted comprehensive legal, technical, and credit appraisals for loan applications, evaluating creditworthiness to minimize risk and ensure sound lending decisions.
Coordinated cross-functional efforts with sales, legal, and technical teams to streamline workflow and ensure strict adherence to all processes and policies.
Monitored repayment schedules and proactively initiated follow-ups on overdue payments, effectively mitigating financial risk and maintaining portfolio health.
Cultivated strong client relationships by conducting personal discussions and ensuring timely loan disbursements, enhancing customer satisfaction and compliance.
Vapi, Gujarat, India
→
Summary
As a CPA at JM Financial Ltd, I managed the initial processing of loan applications and customer portfolios, ensuring compliance and operational efficiency.
Highlights
Executed prima facie processing for Home Loan (HL) and Loan Against Property (LAP) applications, ensuring initial compliance and data accuracy.
Coordinated effectively with sales and operations teams to streamline workflows and enhance efficiency in loan processing.
Managed comprehensive MIS and file handling, maintaining organized records for customer portfolios and ensuring adherence to stringent loan guidelines.
Contributed to optimized financial services delivery by coordinating with various internal departments, improving operational synergy.
Education
Languages
Hindi
English
Gujarati
Skills
Credit Risk Management
Credit Assessment, CAM Appraisal, Underwriting, Loan Application Processing, Risk Mitigation, Regulatory Compliance, Portfolio Management.
Financial Operations
Financial Analysis, MIS Management, File Handling, Disbursement Processes, Operational Efficiency.
Client & Stakeholder Management
Client Relationship Management, Customer Service, Cross-functional Coordination, Vendor Management, Stakeholder Engagement.
Interests
Financial Literacy
Reading financial news, Reading investment books.